BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-23
Company: V and H Portfolio
State: MD
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:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX I submitted a CFPB complaint against this company in regards to inaccurate information on my credit report and the actual right for them to collect on this debt. 

They failed to properly validate the alleged debt and continue to report unverified inaccurate information on my consumer report. I have been unable to obtain a mortgage, auto loan and job due to this inaccurate and unverifiable information. I have seen XXXX XXXX in regards to XXXX and XXXX in relation to this issue and have been diagnosed with XXXX XXXX and XXXX by trained and certified XXXX XXXX  and can produce documentation that proves such. 

I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 non-monetary relief
Consumer complaint received 2020-12-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: MI
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 settled a charge account with XXXX/XXXX  via a debt negotiator for {$2200.00} The account was charged off XXXX, XXXX, and settled shortly after. Therefore, there was no data to report after XXXX, XXXX. On XXXX, XXXX, my report shows an active account, then another charge off on XXXX, XXXX. My account then shows an active status from XX/XX/XXXX until XX/XX/XXXX with another charge off on XXXX, XXXX. 

My Experian report shows '' status updated on XX/XX/XXXX '' There is nothing to update. The issue was resolved in XXXX. I have a " potentially negative '' alert regarding this account, and this info is scheduled to remain on my credit report until XX/XX/XXXX when it should have been off no later than this year. 

I never re-opened this account, there is no way XXXX would have allowed me too, so there has been no activity on this account. Can you please help me with this? This account information does not show on my XXXX  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 2019-02-03
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been selling on XXXX with two seperate Paypal account and they are now holding my money for 180 days on both accounts. I am unable to withdraw any money and am unable to pay my bills. This has left me in a very bad situation and i am now at risk of being homeless. Its my money and they have no right to hold it. They are saying i am linked to a negative account and i have repeatedly tried to explain that the account is not mine. I need help please and someone to listen to me and give me my money i worked for. I am a good seller with many positive feedbacks and i do not deserve the treatment i have received from Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX : I received an email from Capital One saying Ive been selected to check if XXXX pre-approved for a card. Since I have a checking account with them for many years, I decided to enter my information, and the system showed that I have been pre-approved for few of their products. Among those cards, I decided to apply for Venture card. And I got approved right away. 
XX/XX/XXXX : I received my credit card. I used it to pay global entry fees {$100.00}, and permit application fees from XXXX XXXX, CA around {$500.00}. 
XX/XX/XXXX : I received a voice message from Capitol One fraud protection, and they restricted my card. 
XX/XX/XXXX : I contacted the customer service several times. Finally, they told me I need to upload my SSN, 3 months bank statements, and my driver license. I did what they wanted me to do right away. Because I would like to remove the restriction, and proof XXXX the account owner. And this is not a fraud. 
XX/XX/XXXX : After reviewing the materials that I uploaded, they decided to close my account without even calling me to explain the reason behind this. 
XX/XX/XXXX : I received a mail telling me that my account has been closed since XX/XX/2023. I contacted customer service many times for membership fee refund. They all stated that the account was closed, so theres nothing they can do to help me with. If the company is not willing to return my annual fee, they need to fulfill their card benefit which is reimburse global entry application fee {$100.00}. Customer service representative told me they can not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent online wire transfer {$2000.00} from my account, my account was showing " pending '' status and I have a screen shot. I could not cancel wire online so I called in to wire department and requested to cancel. Agent stated they would cancel it for me, I relied on it. However bank allowed wire to go through and since receivers account was closed funds were returned back in a few days in the amount of {$1900.00}. I requested Chase to reimburse me missing {$100.00} and Chased refused since " the receiving bank charged the fee '' If Chase would stop the wire I would not lose {$100.00}. 

Also if this were in instance a scam I would lose all the money. 

Chase practices are unsafe and unreliable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
On XX/XX/XXXX a fraudulent purchase was made on my Bank of America credit card in the amount of {$500.00} at a XXXX grocery store in XXXX MI. At no time were the credit cards ( 2 ) out of my possesion. This charge was also accompanied by 2 fraudulent claims on the same day that were caught by Bank of America and reported to me, where I informed them that it was not me making the purchases. On XX/XX/XXXX when I received my bill, I noticed the charge and immediately reported it to Bank of America fraud department. They removed the charge pending investigation. On XX/XX/XXXX I received a letter informing me that my fraud claim was denied and I was liable for the {$500.00} fraudulent charge. I did not make the charge, nor was I in XXXX on that day. I would not grocery shop that far from home and the presence of 2 other attempted fraudulent charges on the same day should be enough of a red flag to uphold my claim.

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 monetary relief
Consumer complaint received 2019-02-03
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
During the middle of XX/XX/XXXX I was served with paperwork from Midland Credit Management under mine and my wifes name for a debt I was never listed on, we never received any notification by mail or phone that the collection agency had purchased the debt, the phone number they had on file has never changed, my wife still has the number they have on file. I called them to find out what was going on and first they said they couldnt discuss it with me and I informed them at the time they listed more on the lawsuit, the option of not dealing with me went out the window. They claimed it wasnt my debt so they couldnt discuss, I told them if its not my debt, why am I named on the suit? 

I then asked them when they bought the debt, they said XX/XX/XXXX, I asked what address do you have on file and they verified it was our current address, I then asked why they didnt notify my wife they bought the debt and they said they wasnt required to. 

I then asked if you bought the debt in XX/XX/XXXX and have our current address, why did you file in a different county? The first response was it was suppose to be filed in XXXX county. Then changed to we can file in any county in your state I said so you can have us served and if we dont have transportation to make it to that venue then we cant fight it, he said thats not our problem, we just need a judgment. 

Now they expect me to sign a form to claim the debt as mine as well, Im not signing any forms. 

Seems to be unfair collection tactics, Midland rather get a judgment than deal with a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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 explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 

XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY 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 2022-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for credit through XXXX too take ach payments XXXX said Equifax is showing my ssn is fraudulent and not belongs too me I called Equifax had freeze removed they said it's clear too run it's not there causing me financial hardship by refuse too release my credit report and score this is in violation of the farc act they refuse too help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received alert on XX/XX/2023 that there was a hard pull on my credit report, when i check it, there was a company i never heard of that had pulled my credit Comenity CapitalXXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX OH XXXX. 
I am in a program trying to buy a home the time and applying for anything right now would hurt my chances,. I disputed and the company responded with it was my inquire, but if I'm telling you it wasn't me, how can you say it was. i have other cards and loans that i actually applied for i take responsibility for that but i shouldn't get penalized for a company doing wrong. I also reached out to bbb and seen this company has did this to others, with it being a day before it was done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sold an old account to XXXX XXXX XXXX. I settled this debt in XXXX and they marked it as settled for a less amount and it was removed from my report. The same debt from XXXX XXXX XXXX has repeatedly shown back up on my credit report with different companies. The current company is called ENHANCED RECOVERY COMPANY. I have disputed this collections account so many times and they just sell it to a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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: Account information incorrect

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX XXXXXXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I went to a garage on XX/XX/. tried to fix my car. The mechanic couldn't figure out what the problem was but still asked me to pay the inspection fee. I asked him how much he said {$25.00} but the bill was actually {$120.00}. I didn't sign the receipt and they didn't even give me a receipt. Basically I didn't authorize the payment, so I tried to dispute this to Bank of America twice but they couldn't do anything to help. 

this is the second time I report this case to CFPB. A few days after I reported them I got an email from BOA. They said they tried to call me but no one answers they also give me a number to call back and told me they needed to verify with me through the phone. I tried to call them tons of times and no one never responded. I also sent them an email back explaining the situation and asked for a correct number to call back but unfortunately still no response.

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