BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
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: Public record information inaccurate

Complaint:
I contract EQUIFAX ON XX/XX/2022 ABOUT AN DISPUTE ABOUT A BANKRUPCTY ON MY CREDIT REPORT, ON MY REPORT EQUIFAX SAY THEY GOT THE INFORMATION FROM XXXX, I CONTRACT XXXX WITH THE HELP OF THE CFPB, XXXX SEND A LETTER BACK SAYING THIS BANKRUPCTY IS NOT ON YOUR FILE, SO I SEND EQUIFAX THE SAME LETTER, THEY STILL REFUSE TO DELETE THE BANKRUPCTY OFF OF MY CREDIT REPORT, EVEN THOUGH THEY HAVE THIS LETTER FROM XXXX, WHICH THEY HAVE ON THE WEBSITE, SAYING THAT THEY GOT THE INFROMATION FROM XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT! 

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. XXXX is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to XXXX XXXX XXXX XXXX and was emailed directly to their XXXX & XXXX with a copy of the 1099-c, which I have submitted here.

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX XXXX XXXX  FOR {$890.00}

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america .

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 2023-10-26
Company: EQUIFAX, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB + TransUnion, I have 4 unauthorized hard credit inquiries on my TransUnion credit report - I called each of these 4 hard inquiries on XX/XX/2023, spoke with customer service representatives, and all are requesting the hard inquiries made into soft inquiries and/or removed altogether. 

Attached to this complaint are : - drivers license - social security card - address - my complaint letter *with documented proof* - Screen shot from TransUnion credit report where these show up TransUnion, you need to have these 4 unauthorized hard credit inquiries made into soft inquires and/or removed from my credit report immediately as its damaging my 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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
In XXXX, I was scammed by the merchant, XXXX XXXX XXXX in New Jersey, and reported it to Bank of America which they conducted their investigation and found it in my favor. I also informed the merchant of the request of the funds in XX/XX/XXXX. I need all copies of the documents from the Fraud Dispute Department regarding the 2 Fraud Claims because the Merchant, XXXX XXXX XXXX, is saying Bank of America never contacted him, and now in XXXX the Merchant is trying to come after me for the return of the money Bank of America Fraud Department conducted their investigation and returned the credit back to my credit card properly to me in XX/XX/XXXX. 

Transaction Date : XX/XX/XXXX Claim Number : XXXX Return Credit : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - {$1100.00} Transaction Date : XX/XX/XXXX Claim Number : XXXX Return Credit : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} The above fraud charges are on the credit card number XXXX XXXX XXXX XXXX. 
Thereafter, a new credit card was issued to me from Bank of America from the same account 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 2020-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2017, I opened a Saks Fifth Avenue store card that was serviced by Capital One ( SaksFirst Store Card ). Not long after opening the SaksFirst store card, I was diagnosed with XXXX on XX/XX/2017. 

Due to the length and nature of my treatment, I did not use the Saks card for the first few years after opening it. 

After my father passed away on XX/XX/XXXX this year, I planned to use the Saks card for a dress shirt for his funeral. Due to the COVID-19 restrictions in my state, we were not able to schedule a wake and burial until XX/XX/XXXX. 

I tried to purchase a dress shirt on XX/XX/XXXX, but I was informed that my account was closed by Capital One due to inactivity. 

I am not so much concerned about losing the access to the credit line. My main concern is my XXXXredit score. I was notified today by my credit monitoring service that the closed account caused a substantial drop in my credit score. 

I understand full well that closing inactive accounts happens every day and is extremely common. Seeing that the account was closed less than 3 weeks ago, I was hoping that there would be some possibility that it could be reopened. 

I have been through so much these last few months, and I feel like I keep getting knocked down. 

Either way, I appreciate the consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : 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 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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX  XXXX Balance XXXX {$19000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}

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 non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
Furniture was removed at our request so that XXXX XXXX could put her furniture there. Now they are trying to charge us for the furniture that they removed. Now they have me, XXXX XXXX XXXX, and ; XXXX XXXX in collections. We went there and they told us to submit an affidavit and the matter would be resolved. 
They have new management there since the incident. Now no one will respond when we ask what to do next. 
After trying several times to resolve incorrect credit reporting on my credit report, I went to the place to try to resolve the issue. They told me to submit an affidavit. We did that Im sending the copies to you and now they fail to respond when we ask them what are the next steps. 
I am XXXX XXXX XXXX. The student is XXXX XXXX. Her mother is XXXX XXXX. The mother and daughter were there when the furniture was removed that they are trying to charge us for. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a forbearance agreement with Caliber Home Loans at the beginning of Covid. I am a loan officer and worked on commission which was dramatically reduced during Covid. In XXXX of XXXX I was offered a modification plan to repay the amount that was deferred in during Covid. I faxed the agreement back in XXXX and then called the company and they verified that they had received it. I thought everything was fine, each time I called I was told that my loan file was still in Underwriting, and to continue making the agreed upon mortgage payment- which I have since XXXX. In XXXX I get a call from the mortgage company saying that the fax was not accepted, but the forms must be mailed. I mailed the forms in regular mail, call back and they said they did not get them and now my loan was in forclosure. I spoke to a supervisor XXXX in XXXX who told me that she would escaalate my file since I had made all of my payments and while I shoiuld have mailed the forms instead of faxing them, the comppany was at fault as well for not telling me that was unacceptable. She told me it could take up to 3 weeks for a decision..I called back XXXX and told that XXXX would fax the forms to me and once received the foreclosure would be reversed. I sent the forms overnight XX/XX/XXXX and it has been recieved and signed for, but today I call they say I am still in foreclosure and the package has not been received or entered into the system. Please help me make them honor their word, now everytime I call they tell me I am in foreclosure when I have not missed a payment since the agreement was signed, whether it was faxed or mailed they know that I accepted the agreement and followed up with monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 XXXXXXXX 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 acount without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any reason.

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 2022-05-20
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:
XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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 wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX  XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX, 2021 a loan for {$100.00} was taken out in my name from Fig Loan. I emailed them that I did not ask for this loan, I was a victim of Identity Theft. They responded that I would have to file a police report, which I did. I emailed and called them with no response. I have since hired XXXX XXXX lock and they can't get them to respond either. XXXX requested I submit this to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've sent a letter last XXXX it almost 30 days now and no response yet. The following accounts were used without my permission this issued hinders my life and causes me stress. I got a low credit score!. I am a victim of Identity Theft. I need help to resolve this Issued. I demand to delete immediately the following accounts!.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and they are holding the money that I made legally for no reason. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history will reveal 0 chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$1000.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.

Company response to consumer: Closed with explanation