BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
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I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against TransUnion concerning their failure to respond to my dispute, which was mailed via XXXX certified mail, tracking number XXXX, and delivered to TransUnion on XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ), TransUnion had until XX/XX/2023, to investigate and respond to my dispute. However, to date, I have not received any response from TransUnion, which is a direct violation of the FCRA. 

The dispute I submitted to TransUnion concerns inaccurate and incomplete public records that they are reporting for me, specifically under the reference numbers XXXX and XXXX. The details of the inaccuracies are outlined below : Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, XXXX amount field, Blank plaintiff field, XXXX internal notes. 

Reference Number : XXXX Dispute Reason : This entry contains multiple errors and inaccuracies, including : Missing released/closing date, Incomplete reference number, Blank 'how filed " field, Court name listed as 'U.S. Bankruptcy Court, ' which is not an existing court, Blank amount field, Blank plaintiff field, Blank internal notes. 

I have made a diligent effort to dispute these inaccuracies in my credit report with TransUnion. However, despite the legally mandated XXXX window for investigation and response, TransUnion has XXXX to comply with the FCRA guidelines 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 2023-08-14
Company: FC HoldCo LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I kindly request your adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers with respect to credit bureaus. In consideration of this regulatory context, I humbly implore XXXX to undertake the necessary actions to omit the following account details from my credit report : Account Details : Account Name : FLAGSHIP CREDIT ACCE Account Number : XXXX Original Creditor : Company that Acquired the Account : Date of Account Opening : XX/XX/XXXX Account Status : Closed Last Status Update : XX/XX/XXXX Account Type : Installment Status : Charge-off Balance : {$12000.00} Balance Update : XX/XX/XXXX Original Balance : Monthly Payment : {$0.00} Past Due Amount : {$12000.00} Terms : 1 Month Responsibility : Individual Account I emphasize that the account information attributed to XXXX XXXX was not prepared or generated by me. As outlined by the FCRA, which underscores the importance of maintaining the accuracy and fairness of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the domain of credit reporting is greatly valued. I anticipate your timely response and the necessary corrective measures required to address this situation appropriately.

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 2023-12-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited a check in the amount of {$21000.00} with Wells Fargo. The bank cleared the funds and said the balance is available in my account to use, no restrictions posted or notified about, no waiting period. I paid my taxes due, other loans, and made other expenses based on the available balance in my account. Per their own admission there is no notification of any holds on any fund on my account. They declined my transaction after letting my account being overdrawn - {$1900.00} without any single notification. On their end, hidden from me, the fund will not be available to me until next week. I made financial decision based on the funds available and they are ruining me financially because I will end up defaulting on the IRS agreement and missing other loan payments. I have made large amount deposits in the past in the same account and have not had any issue before. They are refusing me access to the funds they say I have available, and refusing to cover the charges made, but I have proof that my account has an available or posted balance of {$21000.00} at this time.

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 2019-10-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted via mail XX/XX/19 by Midland Credit Management. The letter stated MCM was seeking legal action against me for an unpaid debt of XXXX dollars from XXXX XXXX XXXX. I have never been associated with XXXX XXXX XXXX, so this debt is not mine. I called to confirm this with MCM, and they asked for my birthday and the last 4 digits of my social. When I supplied both, they confirmed my information did not match the name they had on file, and stated it must have been a mistake ; my name just happened to be the same as their records. I asked them to take me off their contact list. They said they would. The next week I received two more identical letters. Calling does nothing. They repeat that the debt accusations are a mistake, yet they send threatening letters that claim legal action. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXXXXXX XXXX  Account XXXX XXXXXXXX Date Opened : XXXX DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXX on Transunion , But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Date of Last Activity : XXXX DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXXXXXX XXXX IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX , A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH 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 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Two charges were made on my card without my knowledge or permission. These charges were two cash advances. My card and PIN were stolen my desk at my home while I was out of state on vacation. I employed a house/dog sitter while I was away. The card and PIN were used by the sitter or another person or persons who stole the card and PIN or who the sitter gave the card and PIN to. I discovered the charges and timely filed a fraud claim with Capital One. On XX/XX/ Capital One sent me a letter acknowledging the claim and promising to investigate, see attached letter. On the same day, XX/XX/ Capital One sent to me another letter denying my fraud claim, using a generic form letter, see attached. Capital One did not contact me or investigate my fraud claim, they denied it without investigation, reason, or justification. My losses total {$500.00}. These charges do not belong to me. I filed a sworn fraud affidavit with Capital One, see attached. Capital One still refuses to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was advised by a Transunion and XXXX representative to fill out this report because of unauthorized inquiries on my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information for future creditors. 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-08-14
Company: ENCORE CAPITAL GROUP INC.
State: WA
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, MIDLAND CREDIT MANAGEMENT Account # XXXX  XXXX has violated my rights. 

15 USC 1681 Subsection 602 : States that I have the right to privacy.

15 USC 1681 Subsection 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had about {$1500.00} taken out of my account from a rental company I haven't done business with or heard of. I didnt authorize the transaction and I have disputed it over 5 times. The bank hasnt provided any feasible evidence that shows that I allowed this transaction or that you contacted the company regarding the matter. When asked for additional documentation from Chime as to why the dispute was dismissed, they had documentation with the wrong company information, leading me to believe that the bank was not actually trying to resolve the problem, but falsely told me that they had contacted the company just to not get the issue resolved and get my money back. This entire ordeal has been occurring since XXXX and I have had no other possible routes to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
XXXX ) in XX/XX/XXXX, I refused to pay a {$140.00} termination fee when I canceled the cable service provided by XXXX XXXX because they removed channels representing about 50 % of the viewing time for my family without notice or compensation. 
XXXX ) In XX/XX/XXXX, XXXX sold the debt to a collection agent and the collector reported it to Transunion and other reporting agencies. 
XXXX ) In XX/XX/XXXX, a new collector, XXXX XXXX XXXX, obtained the debt and reported to TransUnion and XXXX as a NEW collection account. 
XXXX ) Although TransUnion has information of this collection is the same debt it reported in XX/XX/XXXX, TransUnion 's credit score algorithm treated this as a NEW collection account initiated in XX/XX/XXXX, instead of a continuation of the same debt which was initially reported in XX/XX/XXXX. This error has caused undue damage to me financially and socially. 
XXXX ) TransUnion refuse to correct the error after I complained 3 times.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My ex boyfriend is using my SSN to try to take out money loans.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number 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 explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to inform you that these accounts were already deleted from XXXX since XX/XX/2023. Transunion and XXXX still contest that they were accurate and verified in their second investigation. I do not agree with their results. I know for sure that these accounts don't belong to me and I need them to remove these entries from my credit report right away.

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 2023-08-14
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Amex cancelled my credit card and closed my account. 

When I called them to confirm, they were very dismissive about it and kept disconnecting my call They said I was the one who called and cancelled the account and credit card where as in reality, I never called them..

I asked Amex for justification and what verification was done for whoever called and cancelled mt card but they said that they did no such verification and just cancelled my account as per their convenience..

I asked to Talk to their fraud investigation and identity theft department. But they were adamant that they did nothing wrong and I was the one who cancelled the account I told them to hear the recording of the call assuming they record all calls they said they didnt have time to check and again cut the call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
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:
On XX/XX/XXXX i received three ( 3 ) 1099C Copy ( b ) 's for the following creditors XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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