BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and  Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-09-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX I called the Creditor which is Victoria Secret also listed as Commenity Bank in regards to the account that was closed last year but was still being reported as opened and late on my credit report XXXX  under XXXX different amounts one for XXXX dollars and the other for XXXX dollars. Victoria secret agent informed me that even though the account had been closed by me do to fraud that it was still being charged because of the insurance that was on the account when it was first opened. I told her I dont have insurance on my card and never needed it since it was a small limit. She told me to call Account XXXX who does the insurance for all XXXX XXXX Bank accounts. I called and spoke with a supervisor after waiting over XXXX minutes to be transferred. The supervisor got on the phone and told me to contact the Credit Bureaus directly. I contacted the XXXX Credit Bureaus and was told that they only report what is reported to them by the Creditor. So I called back Victoria Secret and told them what the Credit Bureau said and they told me to dispute it with Credit Bureaus and the Credit Bureau would reach out to them and they would respond. So I tell her why do I need to do all of that for something that was reported by them that I was not aware of nor did I authorize it. She said that is how we do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-29
Company: EQUIFAX, INC.
State: GA
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:
I have submitted several requests online and in writing- some even certified mail to all three major bureaus to please stop reporting erroneous items on my credit report. These errors include : - reports displaying incorrect versions of my name- please stop reporting addresses where I have never resided. I have provided copies of my government issued I.D . in attachment to the request with no success. 
- XX/XX/2022 I requested debt collectors reporting a balance to provide evidence in writing. ( by law they have to remove the account if they can not provide proof- and it has not been provided yet the account ( s ) still report negatively. ) XXXX I requested validation from another debt collector, and it is now XX/XX/2022 and it has not been validated. However, the account remains and reports negatively against - aiding me in getting declined for housing. 
XXXX I requested a credit card company to validate a debt. They have not and are also still reporting said debt. 

All of these items are having substantial derogatory impact on my credit score yet no one will act according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
7 years ago I filed a complaint about XXXX, XXXX & XXXX of XXXX Florida. They sent a garnishiment notice or some sort of file to collect a debt I no longer owe. My bank account was seized for full payment of a debt of {$3700.00} ( approximately ) the new letter says I owe XXXX. ( approx ). I see in this portal that they replied to your office about a debt, but they never contacted me again. The debt was in XXXX. The payment was withdrawn in XXXX from my bank account. And then all the fraudulent mail started and stopped in XXXX. My former employer contacted me to inform me that not only did they reach out to a company I never worked for, they are lying about the amount I owe and why. I have asked for documentation of the amount due and have not received a single document in 7 years. And now this " garnishment '' to a company that is owned by my former employer and never worked for? This is a scam again. How are these people still in business?

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 2022-04-11
Company: Experian Information Solutions Inc.
State: TN
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE REQUESTED AND DEMANDED THAT EXPERIAN STOP REPORTING/DISPLAYING INACCURATE INFORMATION ON MY CONSUMER FILE. THEY ARE STILL REPORTING 2 UNVERIFIED BANKRUPTICES IN WHICH XXXX XXXX HAS SINCE DELETED AND CLAIMED THAT THEY DISPUTED TO REMOVE THEM FROM EXPERIAN AS WELL. THERE ARE XXXX LOANS ON MY FILES IN WHICH IS VIOLATING MY RIGHTS TO PRIVACY, AND ON TOP OF THAT THEY ARE OVER THE 7 YEAR REPORTING CRITERIA. ALL XXXX LOANS SHOULD HAVE BEEN DELETED, I ASKED THEM TO DO A FULL INVESTIGATION AND HANDLE MY DISPUTES WITH CARE AND DIGINITY. THEY CONTINUE TO KEEP UNVERIFIED INFORMATION ( THAT THEY PAY COMPANIES TO FISH FOR WITHOUT PROPER VERIFICATION ) VIOLATING MY RIGHT TO A FAIR AND ACCURATE CONSUMER FILE. AT THIS POINT I WANT ANOTHER FULL INVESTIGATION AND PROPER COMPENSATION DUE TO THIS PRIVATE ENTITY WHICH IS EXPERIAN VIOLATING MY RIGHTS AND DESTROYING MY LIFE DUE TO THEM NOT HANDLING MY DISPUTES EVEN WHEN I GAVE THEM LAWS AND DOCUMENTATION TO BACK UP EVERYTHING I WAS ASKING FOR. WHO GETS TO CORRECT THESE MONEY HUNGRY COMPANIES FROM CONTINUING TO HURT THE HARD WORKING AMERICAN PEOPLE ESPECIALLY MINIORITY / XXXX PEOPLE? CFPB PLEASE MAKE THEM HANDLE BUSINESS PROPERLY AND REMOVE THESE UNVERIFIED ITEMS OR MAKE THEM PAY PER VIOLATION! THANKS AND XXXX BLESS Tracking Number : XXXX ( PACKET OF EVIDENCE IN WHICH EXPERIAN STILL HAS YET TO PUT ON FILE IN ORDER TO REMOVE THESE ITEMS THAT THEY PAID FOR WITHOUT VERIFYING. I WILL ATTACH THEM TO THIS COMPLAINT AS WELL. THANKS

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: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I submitted a dispute to Experian about a account on my consumer report ( XXXX XXXX XXXX XXXX XXXX ) stating the account was in violation of 15 U.S. Code 1681a-Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian put the account under investigation. On XX/XX/2022, The account had been updated. The account had been updated as a Collection account and the account is still reporting as open. Also on the status of the account it says collection account/Never late. According to 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. this account is in Violation, they are reporting a collection account and also reporting the account as open and also saying it has never been late. This is not accurate how can the account be open, in collection at the same time, and never late? This is not reporting accurately and how can I be sure this whole account is accurate? According to the Fair Credit Reporting Act, creditors and collectors are not allowed to report inaccurate information and has to be removed from the consumer reporting agencies. Remove this account immediately.

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 2022-12-30
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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My last appeal for you to make sure you offer me employing the information as to who you talked to such as the addresses and names of the person or persons reached has regrettably never be achieved. At this moment I'm thinking about court action and have started the process of contacting legal " aid ''. I'm requesting for one final time that you still have me having the information which has been already needed and also please render me with a duplicate of the arrangement finalized or voice discussion where I settled billing me with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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/XXXX I submitted a formal dispute through the CFPB case # XXXX that not only was TransUnion the ONLY, yes the ONLY credit bureau reporting false information about my XXXX student account to my report I also submitted XXXX XXXX XXXX as proof and noted all of the rights of mine that they were violating by keeping this misinformation on my report! 
Not only did they not properly read and look at my proof they didnt even bother doing an investigation AT ALL!! In fact it looks like they tried to update them to be even MORE DELINQUENT WHAT A JOKE!!! 
AS YOU CAN SEE AND READ FOR YOURSELF XXXX sent me a letter themselves on XX/XX/XXXX stating the FACTS, that this is to be REMOVED of any and ALL NEGATIVE DERAGATORY REMARKS!! But also TRANSUNION has this account on there TWICE and there is ABSOLUTELY NO WAY WHATSOEVER they did any kind of due diligence if they had XXXX would have told them exactly what I stated in the first complaint! 
Anyway I DEMAND that BOTH OF THESE XXXX accounts HAVE TO BE COMPLETELY REMOVED as they arent on ANY OTHER CREDIT RRPORT PERIOD, AT ALL, WHATSOEVER. They were SOLD AND TRANSFERRED in XXXX ( it even says that on the report ) and they were removed all together from my credit report TRANSUNION has been violating my rights for YEARS!!! YEARS!!!

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 2018-08-15
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2018 I requested a copy of my credit reports from XXXX, Experian, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} 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 2023-07-07
Company: Affirm Holdings, Inc
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I purchased tickets for XXXX festival using Affirm, which is a virtual loan service. The total cost was {$720.00}. The festival was to take place XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, a week before the festival, the whole festival was cancelled. I have been reaching out to XXXX for months to no avail. XXXX has not responded to any outreach about refunds. On XX/XX/XXXX, I received an automated email from XXXX stating that if I do not receive my refund from them within 90 days, that the credit card company can process the refund. I have been going back and forth with Affirm for months now. It is way past the 90 day mark and they are still refusing to refund me. Affirm is telling me that since I did not dispute within 120 days, they cant help me. I keep asking them how was I supposed to dispute it within 120 days when the purchase was made in XXXX, and the festival wasnt cancelled until the end of XXXX. Even after I let Affirm know that the festival was cancelled, I still had to pay the remainder of the balance for the tickets. This is a lot of money and I should not lose it due to something that is completely out of my control.

Company response to consumer: Closed with explanation