BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2023-02-02
Company: EdFinancial Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, ED FINANCIAL SERVICES L Opened an account in my name for Education Loans in the amount of {$3000.00} and {$3200.00}. I tried to contact them several times on or around XX/XX/2020 in regard to this matter, however, I was being transferred to all the wrong departments and didn't receive any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-04-30
Company: CAPITAL ONE FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my report. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the CAPITAL ONE XXXX Balance : {$260.00} - Late Date XX/XX/22 [ XXXX ] to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-05-08
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # : XXXX, # XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX  XXXX  # : XXXX Account name : XXXX  XXXX XXXX # : XXXX, Account name : XXXX  XXXX XXXX # : XXXX, Account name : XXXX  XXXX XXXX  # XXXX Account XXXX : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX # XXXX, XXXX Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX / XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 explanation
Consumer complaint received 2022-05-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB : DO NOT LABEL THIS AS A DUPLICATE OF A PREVIOUS COMPLAINT, EVEN IF REQUESTED BY A COMPANY TO DO SO. THIS IS NOT A DUPLICATE ; IT HAS IMPERATIVE INFORMATION WHICH REQUIRES CAREFUL ATTENTION AND REVIEW. 

Previous CFPB reports ( pages 6-26 of attached document, starting from the most recent report ) brought to light Synchrony Banks disreputability. The last report ( XX/XX/2022 ) showed that Synchrony disabled access to my online account ( page 5 ) then took a payment out of my bank account despite XXXX XXXX stop payment order ( page 4 ). After receiving this report, on XX/XX/2022 Synchrony sent a letter saying they closed the account and notified the credit bureaus to disregard the loan in my credit report number ( page XXXX ). Despite saying this, on XX/XX/2022 they took {$1100.00} out of my XXXX XXXX account ( page 2 ). Similar to the fourth CFPB report ( XXXX ), the only way they could have overrode the stop payment is by hacking into my bank account. Evident in how XXXX XXXX deemed this transaction as illegitimate and reversed it ( page 3 ). 

Since hacking into my bank account multiple times is a felony which jurisdiction expands beyond the Consumer Financial Protection Bureau, I have also reported Synchrony to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, Homeland Security ( Cybersecurity and Infrastructure Security Agency ), Internet Crime Complaint Center, and the Securities and Exchange Commission. 

Am I alone in being attacked by this company? Far from it. Their XXXX profile ( XXXX XXXX XXXX ) has a 1 out of 5-star rating based on 1022 customer reviews, plus 6932 customer complaints. Even more stories can be found on websites such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, hXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, plus XXXX groups such as this one XXXX XXXX XXXX ) XXXX Red flags galore.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 information incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-05-18
Company: EQUIFAX, INC.
State: NC
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 investigated my credit report, I realized that the same account was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX is continuing to report inaccurate information on my credit file. 
Also, XXXX has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

XXXX sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, XXXX has a XXXX order judgement that expunged all XXXX fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, XXXX is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX ' complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No 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 2023-05-18
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been contacting US Bank since XXXX XXXX it is now XX/XX/XXXX and I still have not been able to at the least receive a confirmation number that a debit card was ordered. Even though they continue to assure me it will be delivered tomorrow to me from Indiana to North Carolina but there is no tracking number available. Apparently a debit card is the.only way to access my funds because there is no location for a prepaid debit card account ; but no alternative to accessing your money. A debit card they claim to have sent without notice six months ago. I have called and talked to at least XXXX people. Everyone has neglected to offer me a solid solution whatsoever. So another day goes by without me being able to touch my own money and no assistant at all.

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 2023-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I realized my wallet, containing all my debit and credit cards, had been stolen from my car. That moment I called Wells Fargo ( issuer of my stolen debit card ) that the card had been stolen and that there was already a fraudulent charge showing up on my online banking app in the amount of {$170.00}. I asked them to immediately shut down the card and issue a new one since I had no way of obtaining money. They told me a new card would arrive in 2-3 days and noted that I was disputing the {$170.00} charge that showed up that day. 

The attendant I spoke with assisted me in loading the newly issued card onto my Applepay so that I could withdraw money while I awaited the arrival of the new card. I made it absolutely clear during this conversation that my card had been stolen ( hence, why they expedited the XXXX solution during the wait for my shipped card ). 

After ten days, in a letter dated XX/XX/23, Wells Fargo denied my fraud claim and determined the fraudulent claim was authorized and asked that I consider [ my ] claim closed. 

I immediately called the number given me on the letter and spoke to an attendant who explained that since my claim stated I had my card in possession, they concluded that I made the charge. I explained over and over that I made it clear my card had been stolen at the time I reported the fraud, and that such was evidenced by the fact that the attendant even helped me set up my new card on my XXXX because they knew I had no means of withdrawing money while I waited XXXX days for a new card. 

Ive been a customer of Wells Fargo for 24 years. Im stunned by their conclusion that the card was in my possession especially given the fact that they helped me replace a card that had obviously been stolen.

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 2016-05-18
Company: Glass Mountain Capital, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Glass Mountain Capital Address shared information about my debt with my younger sibling who shares a phone line on my mobile phone plan. I 'm not sure how they received her telephone number but I assume because I am the primary account holder they were able to locate my information. However they contacted the wrong number. I was contacted and told the collection agency threatened to sue me during this phone call. I did n't talk with them but decided to contact your office to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 accounts 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Company: TRUIST FINANCIAL CORPORATION
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:
REGIONAL ACCEPTANCE Account XXXX Has Been removed from my XXXX  account and they were reporting on my XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-12-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have tried several times to challenge the incompleteness of certain items on my credit reports to no avail.

Company response to consumer: Closed with explanation