BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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:
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 non-monetary relief
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have both violated my rights M15 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

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 2022-05-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C, 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Commonwealth Financial Systems, Inc.
State: LA
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 have contacted the company and XXXX  about the mistake. After I disputed done collection account 's. When they decided my dispute was not worth removing the 6 plus year old Accounts they came back on my name as JUST OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX Fm XXXX XXXX XXXX, Tx XXXX XX/XX/2022 FNB Omaha Subject : Notice of Dispute - Reporting Inaccurate Information to Credit Report I am writing to formally dispute the inaccurate information being reported by FNB Omaha to my credit report. It has come to my attention that you are reporting an alleged debt in the amount of {$12000.00}, even though the said debt has been fully paid in accordance with the provisions outlined in the Federal Trade Commission 's regulations, specifically 16 CFR 433.1, 433.2, and 433.3.

Allow me to provide a brief overview of each of the regulations : 1. 16 CFR 433.1 : This regulation establishes the rights and obligations of both the debtor and the creditor concerning the repayment of a debt. It emphasizes fair debt collection practices and aims to ensure accurate reporting of debts.

2. 16 CFR 433.2 : This regulation governs the validation of debts and outlines the requirements for a creditor to provide proof of a debt upon request from the debtor. It is crucial in establishing the validity of the alleged debt.

3. 16 CFR 433.3 : This regulation pertains to the disputing of debts and specifies the procedures that must be followed when a debtor contests the validity or accuracy of a debt. It underscores the debtor 's right to challenge the debt and seek its removal from their credit report.

Considering the regulations, I assert that the debt in question, as outlined in the contract, has been fulfilled and paid in full. The promissory note associated with this debt is a negotiable instrument that clearly indicates my obligation has been satisfied.

Therefore, I kindly request that you rectify the reporting of this debt on my credit report immediately. Specifically, I request that my account be updated to reflect it as " Paid in Full '' and " Paid as Agreed. '' Accurate and fair reporting of credit information is essential to maintain the integrity and accuracy of credit reports.

I trust that you will conduct a thorough investigation into this matter and take the necessary steps to update my credit report accordingly. Failure to address this dispute within the statutory time frame may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the correction made to my credit report within 30 days from the receipt of this notice. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My capital one case number is XXXX I applied for capital one 's credit card in early XXXX. I activated the card after I received it. But I haven't started using my card yet it's restricted. capital one asks me for an ID. SSN and proof of residency. They have now closed my account after I uploaded them all. I haven't opened the card for a month and they also ask me to pay an annual fee of {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXXXXXX 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 2023-06-23
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
To Whom It May Concern : I am writing to complaint XXXX XXXX XXXX XXXX XXXX. 

I bought this card on XX/XX/2023 at XXXX XXXX, in XXXX at XXXX XXXX XXXX with a value of XXXX dollars. I kept this card with me, and I never left XXXX. I tried to use this card on XX/XX/2023, and the transaction was declined. I called the Vanilla customer support number at XXXX and set up a dispute case number of XXXX. 

I found out that this was used twice on XX/XX/2023 out of XXXX. The first time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX with a transaction amount of {$350.00} and the second time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with a transaction amount of {$150.00}. Therefore, I lost all my gift card value within XXXX hours from out of the state transactions even I kept card with me and never travelled out of XXXX 

It is understandable criminals can easily steal such information nowadays. However, this is impossible to understand how Vanilla handles and solves this problem. I called many times and every time I was put on hold for more than XXXX XXXX before someone answered phone. They always told me that they will contact me within XXXX to XXXX hours or XXXX XXXX In facts, they never contacted me despite my phone calls and emails. 

I simply want them to send me a new card with the same value that I paid but it seems they are using a delaying method to keep their mistakes. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security number was used to open up XXXX accounts. XXXX was for XXXX XXXX and XXXX was for XXXX in Michigan. I have lived in XXXX  my whole life and so the address that is on my credit file for XXXX  is not accurate. I believe both debts are being handled by Convergent but I am not 100 % sure as it is all confusing to me. I had contacted them and they told me to email them the proof that I have never lived there and that the debt is not mine and so I emailed them bills and check stubs that show I never lived at that address and they confirmed that my identity had been stolen. I contacted XXXX who disputed it with them however they are saying the debt is accurate when it is not. Not sure how where to go from here as I am only XXXX and am unfamiliar with how this process is supposed to work

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX 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 2023-01-16
Company: Credit Karma, LLC
State: MO
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:
My credit report was accessed through Credit Karma by someone other than myself XX/XX/22 and XX/XX/22 and was traced by to an email address than was not mine. 
Since then lenders have done account inquiries ( soft ). I am concerned that the person is trying to obtain financing using my financial information. I contacted Credit Karma via email but have not heard a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are a few accounts on my report I do not Recognize

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 2020-02-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt has been unverified by ARS Account Resolution. The collection was removed from my credit report over 5 times because this debt was unable to be verified. Now here we go again. A collection placed on my account by them. I want this collection removed immediately. This debt does not belong to me. Further more you do have any signed contract stating I must pay you and again this agency has failed to validate this debt on numerous instances.

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 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One refuse to remove a late payment due to there fault. About XX/XX/2017, Florida was face with Hurricane Irma. I was with out power for 10 days in state of emergency after the storm. Once I got power back up and running, I checked my email and settled all my accounts. Capital One failed to send a statement via mail or electronically. I notify them once I saw my statement the following month, which I had received a 30 day late note. I ask them to remove the late payment, I ask them for proof of sending the statement electronically or via regular mail. They refused. An associate stated to me that they are not responsible for mail service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: NJ
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:
There are a few accounts on my report I do not Recognize

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 2020-06-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, 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:
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I received a statement from XXXX XXXX chargea amounting to {$430.00}. I was surprised because I didnt make any purchases, I didnt allow anyone to use the card. I called homedepot and dispute the charges. They responded that they will investigate. XX/XX/XXXX, decision says there is no unauthorized use and iam still responsible for the charges.How did they get that decision? I told them first hand that I didnt make any purchases or charges.? Credit scores went down XXXX plus points with this and statement arrived yesterday plus interest. Im very stressed

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated. 

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 2022-05-19
Company: Experian Information Solutions Inc.
State: AZ
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:
I have submitted several disputes with all bureaus in regards to the inquiries made on my reports along with the addresses that appear on my reports. They are not mine nor did I authorize them and I need them removed since they are causing a lot of problems with my creditors that I have been with for years. This is also not allowing me to qualify for a home that I have been trying to get for over a year. 
My identity has been stolen several times by hackers, thieves and the selling of my information to other parties. 
I live in a state where my name and last name are so common. when people report other peoples info to the bureaus I get a lot of their information. Ranging from family members to parking tickets. I have had my fair share of days in court to try and fix a lot of this but I have done my part. I have frozen my info and I still get all this trash!!!! 
Please help me with this night mare. I have sent the documentation needed to have all bureaus correct all the misinformation reported on my credit files. 
I need to see actual signed documents to verify my signature and that I was the actual person making the inquiries or opening accounts. 
Thank you for your time and assistance.

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 2022-02-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a refinance with Wells Fargo in XXXX, XXXX. Wells Fargo has my current mortgage which began in XXXX on the same property. 
So I am XXXX months into this process with no end in sight. Wells Fargo has asked me for repetitive information ( up to XXXX requests for same items to be sent XXXX times ) via their web downloading. 
The process is well beyond reason now. Today I was asked to explain why my credit was checked several times in XXXX. I have no other credit apps in process now or in past year except a XXXX card.

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