BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be corrected from erroneous reporting in 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 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 non-monetary relief
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. 

Respectfully, 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 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I payedoff my balance in the account and I didn't use my credit card for about 8 months or so. Suddenly, I noticed three hits in my credit score for late payments and my credit card closed. I talked to three different costumers service representatives, including one of the supervisors. I asked them why my account is closed and two of them replied that I didn't pay my annual fee in my card, which there isn't an annual fee on it and the supervisors told me that it was because of an interest fee after I payed off my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are attempting to collect a debt that is not owed. The verification paperwork shows there are inconsistencies in billing practices, but they will not even look at the paperwork despite me requesting they do so for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I received multiple email messages from American Express, thanking me for applying for a new credit card. I am not and have never been an American Express customer. I also received XXXX identity protection alerts that American Express had run credit checks against multiple credit reporting agencies. 

I also received emails, that the new card was being configured as a payment method on XXXX and XXXX. And I received email from XXXX XXXX  that a digital wallet was being setup for me with this new AMEX card as well. 

My first thought was that someone had applied for an American Express credit card in my name and might be used on all these web sites. 

I called XXXX XXXX  and the XXXX XXXX XXXX XXXX customer lines and started incident reports with both organizations. 

By late afternoon XX/XX/XXXX, I had reviewed payment methods at XXXX and XXXX- no new payment method had been configured. So now my theory was that this was an extremely aggressive AMEX card promotion - so I called American Express ( by the customer number on their website ) and complained about this account - the representatives at AMEX did find that a credit card account had initiated and they promised that the new account would be closed. 

I have continued to receive email about my new AMEX card - and XX/XX/XXXX I received a new AMEX card in the mail. I called AMEX and using their automated customer phone system cancelled the card and account. 

I continue to receive email from AMEX about my new account. Today 's XX/XX/XXXX email asked that I review my first month statement. I can not review the statement because I have never setup a user/password with AMEX. I have received every type of email, promotion, etc from AMEX except the communication that I would like to see- acknowledgement that my account is closed. 

As a result of the many credit checks being run against my credit information, I have frozen my credit information with all the credit rating organizations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern ; Please amend my complaint filed by the FTC ( XXXX ) on my behalf and other government entities as well. As of today XX/XX/2018, my credit file with Equifax has had the exact same issues as follow for almost a year. 
I personally have not been able to access to my credit file for almost one year, Equifax customer service can not access my file, Equifaxs XXXX which I was set up on last year can not access my credit file, as well XXXX There were some items that were clearly not related to me or my social security number, and I have yet to discover if they have been removed. 
Equifax ask me to provide proof of my identity numerous times to verify my identity, proof of social security number as well address, for which I provided them numerous copies over several months repeatedly of my passport, social security card and bank statements and there still is an identity verification hold also on my credit file. 
They as well had me provide them a signed copy of a document for the social security administration for  proof of my social security number ( form XXXX )  which I complied with and please note, learned that this signed document had been altered by an Equifax representative. 
Also, I will include emails that I started sending at the end of last year for assistance to a XXXX XXXX and XXXX XXXX ( managers ) who did absolutely nothing but be unprofessional, dishonest, hostile and behave in ways that are possibly criminal. They as well have confirmed that everything is resolved on numerous occasion, knowing full well if I were to call customer service my credit file is not visible or accessible, or I cant order a copy, file credit disputes or anything. 
In closing XXXX XXXX and XXXX XXXX have done things that I am not going to write in this letter to me personally, that are troubling and vicious, and I can not be the only individual and they are still in charge, how is this possible? Therefore, I would like to know when is the Department of Justice going to get involve because these people are destroying other peoples lives. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Accounts 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 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 reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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:
In accordance with the Fair Credit Reporting act XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NV
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 1681XXXX 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 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report shown active as of XXXX when the actual closed account was in 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 2023-10-17
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was 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 ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance XXXX {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/2021.

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 2020-03-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of 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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of 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 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
. I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. I would like to know who did they talk to. How did they complete this investigation?

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 2022-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a half opened envelope from Portfolio Recovery Associates in the mail. It was a summons for court to garnish my wages. This is for a {$1700.00} debt. It said I had 8 days to respond during XXXX week. Ive had XXXX communication with this company in reguards to any lawsuit. I have no current debts with them on my credit report. Nor is there any judgements against me in the court system. I called them they said to contact my payroll company. I asked when I had to answer this summons by they said they didnt know. They offered no explanations or answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
XXXX Accounts XXXX. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/XXXX ] - **Outstanding Balance** : [ {$930.00} ] XXXX. Account Name : [ XXXX ] - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XXXX XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$900.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been disputing negative accounts with the bureaus and have yet to hear from any of them. I have items on my credit that are not accurate and they need to be removed. Under the law, they're supposed to respond in 30 days and it has been over 3 months. I have attached the latest letters sent to you please respond.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 AM WRITING IN REGARDS TO THESE UNAUTHORIZED INQUIRES BEING REPORTED ON MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULANT AND UNDER CODE 15 USC 1681c-2 BLOCKING OF INFORMATION DEEMED IDENITY THEFT. 

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 non-monetary relief