BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.

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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : XXXX XXXX XXXX  Account number : 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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, 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:
XXXX XXXX has my credit card that is still inactivate and cant even change my text nbr and bank info at all. XXXX XXXX has wrong info. XXXX for cell phone was old. It was paid off in 2019. I owe nothing to XXXX. Because I closed the acct before I transferred to XXXX. XXXX charged me anyway even thought it was closed. 
Also, the XXXX loan takes my money every month on time. It is thru auto pay system. They take money themselves. They put wrong info on my credit and is hurting my credit. See screenshot of the auto pay. I also once called them that I d be late with the payment one time in XXXX. I CALLED THEM and they assured me that they d accept late payment. No payment was missing at all. 
XXXX loan still takes my money for the repair on the truck I no longer have. I no longer have the XXXX truck and they still take my money out. Fair? Nope. And I do pay thru auto pay. XXXX XXXX  has old info. And wrong info.

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 2023-11-10
Company: EQUIFAX, INC.
State: NY
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 appreciate you taking the effort to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will be resolved. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased 2 tshirts from a supposed US company from XXXX using my paypal account and never received it. I opened the below despute with paypal : Case ID XXXX Dispute amount {$38.00} USD Transaction ID XXXX Transaction amount {$38.00} USD Transaction date XX/XX/XXXX  Seller name The seller responded saying that the shipment was on its way and for me to cancel the resolution response at paypal. I told them no, its been over 2 months. The shipper immediately returned the shipment to themselved. Paypal sent me the tracking asking me to respond on the XXXX of XXXX, if not they would close the account. I did respond on that day. 

This is directly from their website and they CLOSED the case without refunding me : Your conversation with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX  XXXX I've never received the product or any delivery update from the merchant. I need a refund. 



XX/XX/2023 at XXXX XXXX  XXXX Hi XXXX, we are so sorry for the matter caused to you. The package may be returned back us. Would you like to cancel the dispute and let us reship the package to you~? 

XXXX XXXXXXXX XXXX XX/XX/2023 at XXXX XXXX  XXXX That really isn't an answer. It's been two months even coming from XXXX. It should have been here sooner. 

This case is closed I asked to speak to a supervisor when the service rep would not help. The supervisor just kept repeating PAYPAL policy about resolution and I asked him how long was I a customer - over 20 years. I said I know the policy and did respond on your website. The shipper never sent the package and the tracking says it was returned to them XXXX, the supervisor said the case was closed and HE will not do anything about it. This is not the first time that shipments from XXXX were suppose to be US companies and then when the order goes in, its from XXXX advertised on XXXX. This is also not the first time that I was refused a refund from paypal when they had concrete proof of errors. Seriously 3 months and no shipment and paypal thinks this is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion has to remove ... 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 2023-11-10
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-03
Company: EQUIFAX, INC.
State: PA
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:
In XX/XX/2018 I applied for a credit card and was denied because my information did not match my SS number. I was told by Equifax that one number was off. I faxed and mailed my identification ( total of 3 times ). I received a credit report stating I was also known as a woman ( I am a XXXX year old man, XXXX at the time in question ), in a different state with multiple accounts that were not mine. I filed the dispute paperwork online and mailed in a copy. I received multiple emails from Equifax stating the dispute was resolved with instructions to access it online. However, I can not access it online because I get an error stating the information does not match. I have called numerous times, all I want is an updated copy of my credit report because I am afraid it was not corrected properly since I am unable to access it online. I have emailed Equifax numerous times and am told to call customer service. Everytime I call, I am put on hold only to be told their computer system is down. All I want is a copy of my credit report and I seem unable to get it. The other credit reporting agencies had my information correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 have contacted Capital One because there is a charged off account of my credit report the listed account number is XXXX XXXX XXXX despite I have sent numerous times my ID theft affidavit Capital One has refused to remove this fraudulent account off my credit report. It is not mine I have not benefited from nor did I authorize this account to be opened in my name. I have asked for their documentation and they have refused to provide any other information other than canned responses saying there is nothing they can do. I have attached my ID theft affidavit once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them multiple requests, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXX. OF XXXX XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: OK
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:
I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with Experian, XXXX and XXXX. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.

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 2021-11-24
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
You guys have closed the earlier complaint against XXXX for not removing a XXXX collection after I paid it in full and they have a letter from the collection agency proving its paid in full and is to be removed. I just looked on XXXX page. I signed in and this is what is on there. Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$XXXX} Amount {$XXXX} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX So the amount is still there. The report is still there but they told you that it was taken care of. No its not. If you will notice the full amount I owed is still on there. They do not care. They are going to do what they want to do and to heck with the rules and regulations. Im fed up with them and demand they remove it immediately. I will get a lawyer. Its ridiculous as if life is not hard enough as it is people have to deal with junk like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.

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 2023-04-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( Experian, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

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 2019-01-03
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Collection Bureau of America ( CBA ) incorrectly assigned or tagged me with another person 's debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of {$100.00}. The person 's outstanding account ( XXXX XXXX ) is not me and I do not have the same name and never have lived at the XXXX ( California ) address where the debt occurred. The account was not tied to my social security number when XXXX XXXX XXXX gave the collection agency this debt. The CBA collection agency tricked me into giving them my social security number and mailing address as well as other information so that they could send me a " fraud package '' however, instead they incorrectly sent me a bill saying that they have identified me as " the correct consumer for this account ''. After numerous times calling CBA, they requested me to call XXXX XXXX XXXX to resolve the issue. XXXX XXXX XXXX has cleared it on their end. CBA still refuses to allow me to resolve this issue and send me a fraud package. I have asked multiple times and they keep telling me to call XXXX XXXX XXXX. XXXX XXXX XXXX has stated that this account is not for me and they have not tied me with this account that CBA has tied with my SSN. I have spent numerous hours in XX/XX/XXXX and XX/XX/XXXX trying to clear this confusion. I have talked to XXXX XXXX at CBA approximately 5 or 6 times and he refuses to connect me to his " supervisor '' and keeps putting me on hold. He refuses to send me a fraud package or put me through to anyone else at CBA. I suspect that he doesn't have a supervisor, hence, getting frustrated talking to me and rudely putting me on hold while I am in the middle of a sentence. I have not been able to talk to anyone else at this company. This collection agency has fraudulently taken my social security number and used it for this other person 's account. This has significantly affected my near-perfect credit score and has caused me to spend an unnecessary huge amount of time and effort to fix a mistake that is not even mine, that CBA has made.

Company response to consumer: Closed with explanation