BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 called the credit reporting agencies and let them know that account in the document included below are not to be visible on my consumer report. I never gave them permission to report them. 

Accordint to the law 18 U.S. Code 1028A - Aggravated identity theft whoever, during and in relation to any felony violation enumerated in section ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided by felony, be sentenced to a term of imprisonment of 2 years.

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 2023-03-28
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mine isn't about calls but I didn't have an option to chose that worked. I have debt that is owned my multiple companies at once. XXXX XXXX sold my debt to LVNV once they were asked to verify the debt. Now I have the debt showing its owed to 2 companies at once. It was also the same with a company called the Bureaus. I had a lawyer contact both XXXX  and Lvnv and it stopped for a while. Now I am getting letters from Resurgent saying I owe the same debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit acceptance closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under Credit acceptance when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have always taken pride in my credit history and my credit scores. My scores have always been above XXXX. Yesterday I saw my TransUnion score had dropped XXXX points for no reason. My XXXX score is XXXX. I contacted TransUnion for an explanation and the rep told me its because Im not utilizing my available credit. I have no open loans and use only XXXX credit card. According to TU, I have not used my credit card in months. This is completely false. I use that card frequently and pay the balance regularly so I always have a XXXX balance. The rep told me the info they are getting from XXXX XXXX shows I havent used the card in months and I needed to contact them which I did. The XXXX  rep was completely bewildered by this. They have sent my info monthly to the XXXX agencies and showing my account is current, has a XXXX balance, and is in good standing. I have never missed a payment or been late on a payment for anything in my life. I contacted TransUnion again and went through the same process up front and ultimately the rep saying its because Im not using the card. I offered to send them copies of my statements for the past XXXX, XXXX, XXXX plus years showing I use the card frequently and pay the balance off monthly. They declined that offer. I asked them what federal agency I need to file a complaint with about this because the info theyre using to justify dropping my score XXXX points is completely false and its only with TransUnion this seems to be happening. Like I said earlier I pride myself on having excellent credit and an excellent credit history. It was very frustrating to me to feel like Im being punished for keeping my bills paid on time and never carrying over a monthly balance. I got absolutely nowhere with TransUnion and spoke with XXXX representatives asking them to fix their error. Thank you for any assistance you can provide.

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 2019-02-11
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a 100 % legal US born citizen living as a 100 % legal resident in the XXXX with my wife and daughter. 11 months ago a check I wrote from my US CHASE bank account to my local XXXX bank bounced. The account balance was much more than enough. Our local bank then showed me a telix image of my check clearly stamped " ACCOUNT CLOSED '' we we're shocked. Neither I nor my US based account manager had even been notified by CHASE Banks as is legally required. The saga is very long and drawn out involving mounds of correspondence and scores of conversations. I'm attaching my latest letter to Chase as a synopsis. The short version is that CHASE Bank has been continuously evading returning my. {$87000.00} account balance well past the point of serious criminality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/202XXXX XXXX XXXX XXXX$550.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
TODAY DATE XX/XX/XXXX XXXX credit bureau CREDITOR REGIONAL ACCEPTANCE CORP Account number XXXX CREDITOR bankruptcy XXXX XXXX According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH XXXX, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA 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 2017-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i made a deposit on  XXXX / XXXX /  XXXX   for  XXXX  my bank put a hold wo notifying me in writing or verbally and then extedned the hold so the check has been on hold for weeks and i filed a complaint with the office of the chairman the lady called me was acting  dumb  and rude and telling me the bank the check was drawn on has not paid them and i told her otherwise she accused me of lying and told me to go back where i came from, i got proof the check was cashed and the bank was paid and they still have a hold and there refusing to release my money i bebelieve its because im  XXXX  bc the lady told me to go back where i came from, i need help i need my money released, this bank is commiting fraud and illegal activity, she also claimed its bc the check is not in the same name as account will thats  XXXX  they accepted the deposit and i have a check cashing license and this check belongs to my llc for the property for this same business and its a new excuse everytime enclosed you will find proof this bank is commiting fruad they where paid the next day for this check there using my money and holding my money wo paying interest and i had retured credit card payment fees that i paid from this checking acct they returned and charged me and they charged me im out like  XXXX  plus  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX XXXX$550.00} / 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 non-monetary relief
Consumer complaint received 2021-02-26
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent Credit Bureau Associates a debt validation letter, in which they received on XX/XX/2020 at XXXX XXXX requesting debt validation for two collection accounts they are actively reporting on both my XXXX and XXXX credit reports. They responded with a vague billing summary that did not include any information to validate the debt. The amounts do not match the amount reporting on my credit reports, there is no breakdown of fees, as well as having a line at the bottom of the billing summary which states, " Total Charge Outstanding as of XX/XX/2020 {$0.00} '' ( the {$0.00} amount is listed in all three payment columns ). I subsequently followed up with another debt validation on XX/XX/2020, in which they received on XX/XX/2020 at XXXX XXXX. To date they have not responded to my request. By not responding and not validating this alleged debt Credit Bureau Associates have not only violated my rights under the Fair Debt Collection Practices, but also violated my rights under HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent several requests to Equifax in the past 10 months asking them to correct the remarks in a closed credit card from creditor XXXX XXXX XXXX. Equifax continues to show the remarks in the account as charged off and refuses to indicate that the account was paid in full. I asked them to contact the creditor and they do nothing. I want the remarks changed and since the account was closed many years ago to be removed from my credit report. The creditor can be contacted at XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-20
Company: EQUIFAX, INC.
State: TN
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 do Not live in Virginia but Equifax lists this as a Current Address. I have submitted a Current utility bill but Equifax Failed to Fix this. I can not afford to live in 2 places nor would I ever. Equifax has it listed that TN is a Former address.. My one credit card has submitted Correct ( TN ) address to the credit bureaus but Equifax does Not care. 
Do not respond to this with your generic garbage. I am uploading PII data and the utility bill and Virginia Must be deleted. 
I tried to do this dispute on the portal but Equifax states I can not due to the claim being open. That is Not true. The two that I submitted are marked as completed - XX/XX/XXXX submissions. 
Equifax is Terrible to work with and when I purchase a house Equifax will have to FIX this Issue ( bc that is what was demanded of them in XXXX when they Failed to list addresses Accurately - I have documentation )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ProCollect, 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 status incorrect

Complaint:
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 an account without my written instructions. Pro Collect is continues to violate my privacy and continues harassment with threats and consistent phone calls.

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 2021-03-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, Wells Fargo charged my {$35.00} x 3 because of transactions that I was not well informed on and I tried to stop them and ask questions but they didn't provide much direction on what I was supposed to do so I ended up searching for other ways. 

They should have guided me in the right direction but fell short and it totals up to {$100.00}. Which is a ton of money right now that was all the money I had. Then I called and they were being rude towards me and giving me the cold shoulder. I've been a customer for 5 years plus and they said their system wouldn't be able to generate any of the money back into my account. Really??! You can give me anything back of the {$100.00} that they took from me during a pandemic and financial struggles. I wasn't fortunate enough to get a stimulus check either so I was already down on my luck. 

I'm requesting a reimbursement for my {$100.00} and proper guidance on how this can be stopped from ever happening again. Also I want my money with the contingency that I'll still have an account open with Wells Fargo after. Thank you. 

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 monetary relief
Consumer complaint received 2021-06-15
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Company: Experian Information Solutions Inc.
State: WI
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 took out a consumer loan with XXXX Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the XXXX loan. When XXXX attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, XXXX did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and XXXX with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

XXXX failed in its legally responsibilities.

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 2023-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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