BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by Transunion, XXXX, and XXXX. Transunion, XXXX, XXXX are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. Transunion, XXXX and XXXX has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXXXXXX - Date last active - XX/XX/XXXX ( Transunion ) XXXX/XXXX  - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX  - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( Transunion ) XXXX XXXX - XXXX - Date last active - XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( Transunion XXXX XXXX XXXX XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Date last active - XX/XX/XXXX ( XXXX ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.

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 2023-01-25
Company: EQUIFAX, 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:
I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Account status incorrect

Complaint:
I've reached out for company 's help several times I've asked for proof of Debt and haven't received anything. 
XX/XX/2022 XX/XX/2022 2022

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed my credit report with your bureau. The amount owed are no longer outstanding for the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$160.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING IT BE REMOVED IMMEDIATLEY

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 2021-08-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you today regarding the following accounts with Synchrony Bank : - Syncb/Banana Rep XXXX. Credit limit : {$4000.00}. Date opened : XX/XX/XXXX. 
- Syncb/Amazon XXXX Credit limit : {$100.00}. Date opened : XX/XX/XXXX. 

There are some incidents that even if we dont want, have a big impact in all areas of our life, including the financial life. This is what happened to me a couple of years ago. I was in an accident, and fell behind on bills, and was put in therapy afterwards. Id be able to provide proof of this accident. 

I continued with my life but the consequences this experience caused are still around. Ive been working so hard to accomplish one of my biggest dreams and get a house. However, these accounts are causing me a big issue because I havent been able to make my credit score increase. 

I am a loyal and happy synchrony customer, and I am requesting the two accounts to be removed. Sometimes falling behind on a bill is just one more damage of a bigger fact. I am just trying to get a fair solution to this issue and I hope Synchrony can hear my story and help me. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ThunderRoad Financial, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by the following company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Specifically as it relates to credit inquiries that I did not authorize, made by the attached company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 an 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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX Date Updated : XX/XX/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 2023-07-05
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:
I am trying to buy a house and it is defamation to my character and livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Prime Recovery LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 at XXXX, I received the following text message from the number ( XXXX ) XXXX, to my number at ( XXXX ) XXXX : Can we help get this resolved? Chat NOW at www.primerecoveryllc.com or login XXXX XXXX XXXX This is an Attempt to Collect a Debt Reply STOP to end This seems like a pretty clear scam. Even with the lack of any information, by using SMS I'm sure they've violated FDCPA and other telecommunications regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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:
THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ally auto financing I have a car loan through in XXXX after the covid 19 pandemic hit. I had lost my job. I had some late payments due to unemployment. Prior to the pandemic and after all my payments were made on time through auto pay. I've disputed these late payments with ally auto 3 times to have them remove it from my credit report since XX/XX/XXXX and they have not done so. It's heavily affected my credit score. I was re employed after about 5 months to the same company I worked for. Please look at my good standing account prior and after to the XXXX covid XXXX pandemic. Please have this removed. This should've been taken seriously and removed and or not reported to the credit bureaus. Please help me I have not noted the 3rd dispute reference number XX/XX/XXXX ref # XXXX XX/XX/XXXX ref # 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 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was frozen XX/XX/ for a fraudulent check deposited electronically by a company phishing via email. 
I was told by Capital One bank that I had been scammed and that my account had been frozen. 
I was told that the account was being investigated and that it could take up to 90 days for the account to close and my funds to be sent to me as a check in the mail. Last month, XX/XX/, I spoke with a sarcastic rep. who told me to come and pick up the funds from a branch that is very far. I would end up spending almost the same amount of the monies due to me in gas to get to the branch. 
Again, I was told to wait for the funds in the mail. Today I see the account has been closed. I called to verify that a check has been sent to me in the mail and the bank keeps putting me back in queue and then hanging up on me. 
I just want my money back. I still have a credit card with the bank and I no longer want a banking relationship with Capital One, only for the back to send my little funds due to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received bills from XXXX XXXX for services related to out patient XXXX. My insurance carrier ( XXXX XXXX ) required multiple pre-authorizations which were provided as directed. XXXX was in XXXX of XXXX. After receiving bills for hospital services I contacted the Hospital for direction and they suggested that my Insurance Carrier should be contacted. I kept receiving bills from XXXX XXXX which I kept disputing because they ( XXXX XXXX XXXX had not divided the bill nor did they bill the correct insurance ( coded incorrectly repeatedly ). XXXX XXXX resubmitted the account for insurance and was paid a portion of the outstanding debt by XXXX XXXX. I received a corrected bill from XXXX XXXX and paid that bill within 7 days of receipt. In the mean time, this account was sent to collections and I disputed this within the 30 day time frame with each of the 3 reporting agencies. All agencies EXCEPT XXXX removed the information after confirming that account was not eligible to be sent to collections. 
When I disputed this account in XX/XX/XXXX with XXXX once again they stated the information is accurate. Clearly they never researched this account. I demand that the collection account be removed for being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: PA
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 sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-10-23
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
XXXX hired Jefferson Capital Systems , LLC to collect a written off debt that was discharge under 48 stat. 162, 31 CFR 363.144.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.

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 2017-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting this complaint about experian credit reporting agency. My XXXX/XXXX account was recently changed and put in the " potentially negative '' part of my credit report. I again called last week to dispute this information. This account was corrected in the past after I sent in the letter from XXXX/XXXX shops to verify that there has never been a late payment made on this account. It is suppose to be reported as accounts in good standing. Last month experian for whatever reason moved this account and put it back into potentially negative which affected my credit score. I have sent experian 2 copies 2 seperate times the letter I received from XXXX stating the account was never paid late. Experian should have this letter on file and I questioned it and was told they can re-dispute it for me. That is not the answer this account should have never been moved to accounts that are potentially negative. My complaint is I spend valued time on the phone with experian trying to correct the incorrect things on my credit report. Now I have to wait 30 days again before a response. This should have never been changed to begin with. I spend time money on stamps copies of the letter etc to correct the wrong information when finally it is corrected then a few months later it is back to square one.

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 2020-02-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXXXXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRUIST FINANCIAL CORPORATION
State: TN
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 reported a fraud on my account twice to suntrust and they ignore it. I was a victim of wire fraud for XXXX. This happened in XX/XX/2019 and they deny my claim. They send paper from the bank and none the sheets had my signature on it but the still took two of my check to make me pay for it and charges fees.i send a disatfied letter about the case and now they claiming they havnt got the letter that I send at the address they gave me .. I also had police report send to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XX/XX/2020, discharged in XX/XX/2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative 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 explanation
Consumer complaint received 2023-06-18
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is not legally registered in my state to try to collect debt from me. I've never heard of this company and have never done any form of business with them

Company response to consumer: Closed with explanation