BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX was entered into my account this year. This is not my account, I do not owe this people any money and I had previously disputed this claim and it was removed from all three bureaus. Transunion is the only company to have re added this account back onto their records. When I tried to dispute it online, their webpage said I had to dispute it by mail. I have sent them three letters asking for it to be removed from my credit report and they do not respond. I have called twice and I was told it was under dispute but when i call back they have no record of it. I want it removed from my 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 2023-04-12
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 want this late payment deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please update.

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 2021-06-05
Company: Optio Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi. I had an XXXX  XXXX done on my XXXX  in 2020 and I was having trouble making the payments with the veterinary office. I have a long-standing relationship with the vet and they had put me into collections they decided to go ahead and take the payments from me directly and they called to the collection agency several times and told them to stop contacting me that they were working with me directly I brought this to the veterinary office attention a few times and they keep telling me that they have called them. This agrncy is a company called Qualia collection Services located in XXXX California who is telling me that I'm still in collections even though the vet has explained this to them. I have made five payments to them in the last two months. The payments were made directly to the vet who called off the collection agencies and instead are accepting payments directly from me. I just called the collector to explain and I was told that I'm still in collections and it's my problem. Very rudely hung up on. I will be attaching two of the receipts that I have on hand with me now. I apologize I left the other three at home but I'm sure the vet will be able to present the receipts as well. And I do have them if needed. I do not want to be threatened and kept in collections for a debt that's being paid to the veterinary office directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a dispute with the bank because my debit card information was stolen and used without my permission or authorization over the internet the dispute was open XX/XX/XXXX chime bank / XXXX XXXX did not properly investigate my concerns they just denied my claim I included a ftc report which is from the fraud victim assistance department, bank statement showing me purchasing a new phone, & also a new phone number was updated, and proof that XXXX had to refund me my money because it was used on XXXX also. It was filed on XX/XX/XXXX and denied on XX/XX/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2021-06-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Ive disputed this item XXXX XXXX several times with the bureaus this item is a charge off and still shows late payments/charge off every month also shows a past due amount as well this is grounds for removal from my report per FCRA guidelines please do so.

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 2022-12-01
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/19XXXX XXXX XXXX XXXX I recently received my consumer report and noticed violations that go against the FCRA. Your Agency has not supplied me with any Account Level Documentation that bears my written instructions which is a violation of [ 15 U.S.C 1681b ] ( a ) ( 2 ) Permissible purpose of consumer reports according to the Fair Credit Reporting Act. please complete a proper Reinvestigation of the disputed information below in accordance with [ 15 U.S.C 1681i ] ( a ) ] Procedure in case of disputed accuracy PLEASE REINVESTAGE THESE ACCOUNTS AND DELETE IF ACCOUNT LEVEL DOCUMENTATION CAN NOT PROVIDE : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
Please send me all Account level documentation and a copy of my updated XXXXXXXX XXXX with the Deletions of these accounts XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name is XXXX XXXX, I'm a full time employee with XXXX XXXX, a full time parent, former college student and Veteran of the United States XXXX. 
This statement is directed towards VW Credit and the issues that I had experienced after informing them of my hardships. 

XX/XX/XXXX I had called VW Credit to inform them of my hardship that I was facing and wanted to know my options and expressed that I was open to any type of assistance with my auto loan. The customer service agent wasn't unpleasant but seemed to lack compassion in regards to my current situation and suggested that I could voluntarily surrender the vehicle but it was going to cost me {$300.00}. I of course did not have this amount to spare at the time due to needing the vehicle to travel in search of / commuting to work, having a child full time, and to grocery shop. I then avoided their calls from that point on due to fear, anxiety, and XXXX. 

In XX/XX/XXXX, I omitted myself into the VA Hospital in XXXX, GA for XXXX and suicidal thoughts. This was partly stemming from debt collectors, including VW credit not attempting to assist me during my current hardship that I was facing. 



XX/XX/XXXX Wrote VW Credit a note and submitted it, explaining that I have found employment as a government contractor and wanted to be placed on a payment plan that would be reasonable so that I could catch up. I had stated in the same note that I did not want to communicate over the phone due to the discomfort of the situation so I suggested email. 

I never received a response to my note but a phone call that very day or next from VW credit. I refused to answer, knowing that my note was received and reviewed. 




XX/XX/XXXX Decided to call VW Credit because it had been a month since I wrote them and the anxiety was torturous. I spoke with a collections clerk by the name of XXXX XXXX XXXX and he basically made it seem strictly business and that despite my prior hardships, their was nothing they could do for me in regards to debt forgiveness and that I will need to pay the balances owed. I promised to pay {$500.00} on XX/XX/XXXX and will do so but I was never given 60 days to prevent late payment reporting to the credit bureau, after stating my hardship back in XXXX. Due to this creditor not offering assistance, my credit has suffered dramatically since XXXX of XXXX and even today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I just recently started a new job in XXXX that partners with a company called XXXX to pay a percentage of their employees transportation fees. In order to take advantage of this you are required to create an account with XXXX and link a debit card with it. On Friday, XX/XX/XXXX, I tried to do this online but wasnt able to as I was prompted with a Capital One is blocking you from enabling external applications So I tried calling customer service at Capital One to resolve the problem but came to no avail. The representive didnt seem to understand the issue I was presenting to him. and I dont blame him, Im not entirely sure how to fix it or why its an issue at all- whether I should call and speak with a representive at XXXX or a different department/associate at Capital One, Im not sure. I tried again today to link my account with my debit card and was given the same message as before, but when prompted Im only given an option to either call Capital Ones customer service line, XXXX  Capital One, or write a complaint here at CFPB. I tried calling with no luck and I dont use XXXX so ... anyway I hope someone can help soon. XXXX subway fare can really add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Radius Global Solutions LLC
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 information incorrect

Complaint:
Contacted this company in XX/XX/2022 to validate information. 
I have not received a response. 
Information is not correct or 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 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
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 fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent the following letter to HSBC and now I am requesting CFPB further assistance : This letter is to request a Removal of my Negative Standing with HSBC for my credit card ending in XXXX, specifically the returned check status. HSBC negligently flagged my account with a returned check status without performing proper due diligence. In early XXXX, I was offered a promotion of a 0 % APR for 12 months. In order to take advantage of historically low interest rates, I made an attempt to exercise this offer by first paying off my current balance. A customer service representative notified me that my current balance was {$340.00} so I made the respective payment on XX/XX/2019. However, I quickly realized that this amount was incorrect & I immediately called my bank and cancelled this payment and re-issued the correct payment amount of {$380.00} ( see attachment ). I made this correction because I was misinformed by HSBC & as a result, my credit profile shouldnt be affected with a non-payment status. 
I was declined a credit limit increase due to the returned check status but I made significant amount of attempts to resolve this issue with HSBC. However, no one from customer service made efforts to research this mistake and flaw in the system and resolve this matter. 
Enclosures : 1. Copy of letter from HSBC denying me credit due to non-payment. 
I have sent a copy of this letter to the Consumer Financial Protection Bureau & have requested their assistance with this matter as I have exhausted all of my resources as a customer. 
I am requesting that HSBC remove the returned checks status from my account ending XXXX so that we can proceed with a credit limit increase as my XXXX score is significantly high. 
XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Aqua Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Buy a water filter for {$4500.00} with monthly payments of {$47.00} every month for 7 years. The first four payments were made with the debit bank card information without problems. In XXXX I went to pay with the card and they didn't accept it because it had to be with the checking account and at that time I didn't have it and they blocked my call. I called them several times to make the payment and they did not answer me. Now in bad faith they preported me four late payments to the credit bureau companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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:
I have not received a response from the credit reporting agencies on any of my disputes. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX ; XXXX XXXX XXXX XXXX : # XXXX ; XXXX XXXX XXXX : # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5100.00} XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2018-04-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call at all hours day and night. I don't owe the amount they are claiming. I would file BK if I could afford to in order to get them off my back. They threaten to contact family members and my job. HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've been trying to access my consumer report, credit score and apply a credit freeze to my Transunion and XXXX reports for the last XXXX months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family

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