BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce 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 items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file 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? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN

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 2023-07-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is in reference to information contained in Report Number XXXX, in regards to account : XXXX XXXX XXXX XXXX. 
This account contains erroneous information that is harmful to my credit worthiness and continues to be reported by Experian as verified in violation of 15 US Code 1681i ( 5 ) Experian refuses to properly investigate said account and remove it from my credit file. They have continued putting hurdles in front my best efforts to request said account be properly investigated. They are not even allowing me to submit a request for re-investigation through their system online. 
For the record I would like to point out that both XXXX and XXXX investigated this account. They both deleted it from my file. But for some reason Experian always seems to waive its magic wand and come back with a reason to keep reporting erroneous information in clear violation of the fair credit reporting act.

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 2022-03-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2022-03-17
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2023-07-20
Company: Experian Information Solutions 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:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : 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 2022-03-17
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2014 XXXX opened a fraudulent account in my name, this account is a result of Identity Theft. I didn't authorize this account to be opened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and I don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my Experian credit report. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada 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 2023-07-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-12-23
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DEFAMATION OF CHARACTER To whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your company which I came to know about on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined. 

Pursuant to my rights as a consumer, I'm asking your company to provide proof of an agreement you have which states I am obligated to make any payments to your company with my signature. Proof of the agreement can not be a pile of statements received from the creditor that I was credited for the alleged transaction. 

Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Therefore I NEED ACTUAL AGREEMENTS.

Pursuant to 15 USC 1692j ( b ) any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter i.e. {$1000.00} ( XXXX XXXX Dollars ) Therefore pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. Any further contact by your company, except a communication by mail confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ) FAILURE TO ACCEPT MY REQUEST WITHIN 15 DAYS WILL LEAD TO A LAWSUIT COMMENCED XXXX YOUR COMPANY. 

Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Greetings, This is my follow-up request regarding the accounts that are reporting incorrectly. Please fix the individual accounts in order to appear accurately in my report, and could not harm my credit score. 

Here are the accounts mentioned : XXXX XXXX XXXX XXXX  Balance : {$650.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
To whom it XXXX concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I believe there has been a misunderstanding in communication between Bluebird and I and I am in need of your assistance. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes.

2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history.

3 ) Retrieve {$30.00}. from merchant, XXXX XXXX XXXX XXXX as they state XXXX will only allow the financial XXXX Bluebird to return funds to customers once a dispute has been opened. 
( Please see screenshot where XXXX is in agreement with the return of my funds ). 

Please investigate and assist me in addressing these concerns. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was transferred from Sallie Mae to Navient before 2010. At that time I was a XXXX year teacher before there was a PSLF  or it was never mentioned. I sent Navient about {$200.00} as it was all I could afford as they were forcing me to make over a {$700.00} dollar loan payment. They put my loans in default because I wasnt sending them the full amount, we call this predatory. I was then billed for over {$700.00}, which as a teacher I could not pay, so year after year instead of letting me pay what I could they kept putting my loans in forbearance and my high interest made my loan even more expensive. They were relentless. In Georgia where I was living navient settled a class action lawsuit where I should have been part of, but was not for some reason! Now XXXX has me back in repayment but you can never reach customer service. They also have information incorrect in the system which affects my PSLF loan forgiveness, which should have occurred in the class action lawsuit by the state of Georgia!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to resolve my past due mortgage with TD Bank for several years now. I applied for a short sale. It was approved, however, their requested amount exceeds the offers and current executed contract on my home. I had an inspection done on the property by a licensed appraiser. I also provided TD Bank with a cost estimate from a licensed general contractor. They instead are only relying on an untrained unlicensed opinion from a real estate agent ( that have had huge swings from one month to the next ) or computer generated valuations to determine the value of my home. They have refused to respond to the supplemental proof they were provided. They have never sent anybody to inspect the property. They seemed, for no good reason, to have stopped responding to my short sale application from my broker. Then I received a phone call from customer service that told me my short sale was rejected. They did not indicate they were reviewing the appraisal or the cost analysis. They offered to do a loan modification although I have tried and failed in the past, do not wish to retain my home, do not qualify because of my low income and the debt on the home from this lender and the subordinate lender exceeds my ability to pay. TD Bank has been unresponsive to my broker when evidence was provided regarding the accurate valuation. They have failed to provide me with appropriate relief from my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

XXXX Bank account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.

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 2022-03-17
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 with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2021-06-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As of XX/XX/XXXX, I have sent ProCollect numerous Validation request for me to verify. They have not responded to any documents I have sent. I have sent a cease and desist as of XX/XX/XXXX in which they stopped reporting for 2 months and continued to report the invalid debt. I have attached documents and would like a resolution ASAP. These actions violate 15 USC 1692a as well as I never received any notice which violates 15 USC 1692g.

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 2023-06-06
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had 3 business days to decide to void a purchase. Part of this XXXX XXXX  purchase included the Barclays XXXX credit card being added. I received money for the credit check. I later canceled the XXXX XXXX within the 3 business days in which i also wanted to cancel the credit card since I'd have no use for it. I called and they said i needed to wait for the card to arrive. I simply don't want the bill since I'm not using it at all and attempted to cancel within reasonable 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 2023-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation