BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Alorica Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
This complaint is in regards to a personal loan that I originally took out through Seedfi which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/XXXX the balance of XXXX. Part of the original loan agreement with XXXX was I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within 5-7 days. As of today XX/XX/XXXX i have not recieved the XXXX plus interest and phone calls to this company have had no resolution to this. I have also requested politely to speak to a supervisor many times which they refuse to do I was told one would call me which never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: MS
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 recently received a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was in an accident and totaled out in XXXX of 2023. I kept waiting for it appear on my credit report as paid off. It was paid off on XXXX XXXX, 2023. I call a couple of times about this but they said everything would be straightened out in 60 days. I looked on the report and they have the account as closed and not paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 open a credit card with capital one in XXXX, my XXXX  date of delinquency was in XX/XX/XXXX the company sold the debt to XXXX XXXX a collection agency in XXXX in XXXX I paid the debt. I did not open another credit card nor was I able to open another credit card with capital one since the year XXXX. I have been given the run around from capital one saying the account was paid in full in XXXX, but was opened in XXXX. I did not open a credit card in XXXX and this is not my account I let capital one know, but after weeks of back and fourth with capital one and XXXX XXXX I realized that capital one was reporting an unknown account. I just want this account that I have no knowledge of removed from my credit report and capital one 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Account information incorrect

Complaint:
XXXX and Transunion are reporting my info inaccurately.

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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: IL
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 called on XX/XX/07 to file a claim dispute with Chase for a XXXX unauthorized charge for my account ending in XXXX. I spoke Chase and dispute and they stated they are unable to get the funds from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act Designed XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX  account # 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 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 2023-04-04
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-06-17
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called on XX/XX/XXXX and spoke to XXXX XXXX. She informed me to email XXXX XXXX to remove debt from my credit report. She had verified my information and realized it did match. I emailed XX/XX/16 and he responded without wanting to remove this debt from my credit report. I sent a XXXX email and he does not want to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX 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 non-monetary relief
Consumer complaint received 2023-06-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX XXXX XXXX is XXXX of California. 

They have a history of not recognizing nor respecting maximum co-pays for calendar years. 

for XXXX I hit my maximum co-pay on XX/XX/XXXX I was asked to pay a copay on XX/XX/XXXX and declined. 

XX/XX/XXXX XXXX sent me a bill. 

They gave me an email address ( XXXX ) to send the letter confirming this from my insurance. 

This email was sent XX/XX/XXXX. No response was received. 

I emailed a follow up XX/XX/XXXX. 

I received another bill in XXXX. 

I called XX/XX/XXXX and was told my email had been received and to reply to the email and ask them to call me. 

No followup nor phone call was received. 

XX/XX/XXXX I received a notice dated XX/XX/XXXX from Designed Receivable Solutions that they were collecting my debt on behalf of XXXX. 

I do not see how it can be legal to send a debt under dispute to collections without any attempt to address the consumer 's issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
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 REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM XXXX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. AccountXXXX XXXX # XXXX -- 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 response to consumer: In progress
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please be advised this is my THIRD WRITTEN REQUEST that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the third time that you provide the method of verification you used. A letter was never sent to my current address or METHOD OF VERIFICATION. I requested the following information : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( XXXX evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be deleted immediately. 
Name of Account : PORTFOLIO RECOVERY Provide Verification : PORTFOLIO RECOVERY UNVERIFIED ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17
Company: Monterey Financial Services LLC
State: CA
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 account " Monterey Financial Service account XXXX XXXX has violated my rights as they are reporting on my XXXX XXXX XXXX and XXXX XXXX XXXX 

15 U.S.C. 1681 ( 602 ) ( a ) states i have the right to privacy.

15 U.S.C. 1681 ( a ) sec 604 ( a ) sec 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for their failure to remove all negative accounts from my credit report. Despite my repeated attempts to dispute the installment accounts that have been reporting as late and closed, Transunion has failed to conduct a proper investigation and remove these items from my report. Moreover, they have failed to respond within 30 days of my previous disputes. 

What's more, Transunion previously removed these installment loans from my account, only to report them back on. This type of behavior is illegal, as stated under the Fair Credit Reporting Act ( FCRA ), which prohibits credit reporting agencies from reinserting previously deleted information into a consumer 's credit report without notice and a reasonable time to respond. 

Transunion 's actions have caused me significant financial harm and stress. I am requesting that Transunion immediately remove all negative accounts from my credit report, as well as provide me with an updated credit report free of charge. Additionally, I urge the CFPB to take action against Transunion for their non-compliance with FCRA regulations and their negligent behavior towards consumers. 

Thank you for your time and consideration in this matter. 

Sincerely, 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There's incorrect Personal Information on my Credit Report.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should not be on my credit report. I sent a letter to the collection agency in XXXX of XXXX  and they have yet to validate this account. I also notified XXXX and XXXX that they are reporting inaccurate information, but this too fell on deaf ears that is why I am now requesting for the removal of this account per the cfpb. There have been many FCRA and fdcpa violations and I can seek monetary damages if this account is not removed. This account was never verified therefore you can not continue to report this information. It has been over 7 months and the company has failed to provide proof that they own this account and they have failed. This balance is also not the same as what the original creditor is reporting. The letter that was mailed to the company is attached.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to 15 US Code 168c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by me, the consumer.

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 2023-04-03
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 XXXX XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sat in XXXX XXXX XXXX XXXX  starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is the reason XXXX XXXX was involved

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