BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$150.00} to Synchrony Bank electronically from my Bank XXXX XXXX XXXX pay on XXXX XXXX XXXX Ohio on XX/XX/2022 and they credit my synchrony bank account I have filed a theft claim with XXXX XXXX XXXX XXXX and I have all the documents to prove that synchrony bank in fact got their payment I will file a police report if necessary

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to express my ongoing frustration and concern regarding the inaccurate reporting of a late open accounts on my credit report, despite multiple attempts to rectify this issue. This recurring error is negatively affecting my financial standing, and I urgently request your immediate intervention to address and resolve this matter. 

I initially identified this discrepancy on my credit report. To my dismay, the account mentioned above has been persistently reported as late, even though it was opened and I have consistently made timely payments since then. 

My efforts to correct this error have been as follows : I submitted a written dispute to Credit Bureaus, highlighting the incorrect reporting of late payments and providing comprehensive documentation to substantiate my claim. This documentation included bank statements and payment records. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the correction of the late payment reporting. During this conversation, I was informed that an investigation was underway. 

Given the continued inaccurate reporting, I sent a second dispute letter reiterating my concerns and emphasizing the urgency of resolving this issue. 
To my dismay, I have not received any response or resolution concerning the correction of the late open account on my credit report. 

The persistent presence of this error is seriously impacting my credit score and my ability to access credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly rectifies the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and any related correspondence with Credit Bureaus Bank statements and payment records demonstrating my consistent, timely payments Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly assist me to correct these accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$130.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I called in to Capital One to ask about having the {$95.00} annual fee removed from my account. The agent said that I have an " upgrade '' offer with will waive the annual fee and change my Rewards program to 1.25 miles per dollar from the 2 miles per dollar. I said yes I would like to proceed. 

In my conversation with this agent they mentioned that the annual fee charged on XX/XX/XXXX would be pro-rated and the this amount would be credit back to my account. 

On XX/XX/2020 I called into Capital One to inquire about the pro-rated annual fee credit. This agent tells me that this is not the case and I would receive no refund. I ask to be transferred to a manager. 

The manager reviews the account and puts me on hold. She comes back and says that she listened to the conversation I had with the agent on XX/XX/XXXX and that I agreed to the " terms and conditions. '' I disputed that. 

Why would I downgrade a card to a lesser rewards program and do so without a refund of the annual fee I was just billed less than a month earlier? 

I am requesting the crediting of the pro-rated annual fee. This is very deceptive on Capital One 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please apply these laws to the following account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - XX/XX/XXXX Transactions sent by XXXX XXXX and XXXX {$15000.00} I called my bank and XXXX and told them the situation and how I was being forced and threatened by this person and no one helped me

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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase denied my claim! There whole fraud operation team is just over seas XXXX workers! They dont understand the scams that happening in the XXXX XXXX They denied my claim- XXXX if I am not refunded for this I will be opening the biggest lawsuit you have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX,XX/XX/XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: OH
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 XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written Instructions!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-05-15
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 

XXXX XXXX  never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 

XXXX XXXX  needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 

According to the attached e mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 


All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had contact with the collection agency Portfolio Recovery on today, XX/XX/19 regarding a letter indicating they purchased a debt that belongs to me. According to the letter and the comments made by their Operations Manager XXXX, the debt was purchased on or about XX/XX/19. I initially discussed a settlement offer with an agent and also inquired about credit reporting. I simply asked since the debt is not currently credit reported by Portfolio will my payment arrangement for the settlement offer prevent credit reporting. The agent was unable to answer my question so she put her manager, XXXX on thee phone. When XXXX came on, he appeared to be combative and argumentative. When I asked him the same question about credit reporting he stated their company has already sent notification to the credit bureaus upon the purchase of the debt. I asked how could this have been done when I have 30 days to dispute or acknowledge the debt prior to credit reporting and that today, XX/XX/19 was my first and only contact with them. He stated because I owe a debt that they purchase and they have a right to do so. I informed him if notification of the debt has been sent to the credit reporting agencies within the validation period, they have violated FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. I have filed the correct paperwork according to the FCRA and disputed the accounts. The paperwork has not been attached to my disputes and the correct verification process has not been done correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: MN
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:
after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX after a phone called i have prior to XXXX XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove e this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: IN
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2021-01-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 made a settlement with Kohles so I sent them a check for XXXX dollars. That is what the Kohles lady said to do. I am attaching the front and back of the check to this. 

I did an accord and satisfaction for less than full value but the account still shows a balance on my credit report. it was to be removed but nothing so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the payments without going two payments past due. However, AFTER paying the payments, on XX/XX/2023, Midland reported the account as 30-days past due and failed to show the payments made, and instead showed two payments made without being two payments past due as being unpaid. it also shows the account currently past due for two payments. I was denied credit on an unrelated account based solely on this incorrect information.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 1681. XXXX XXXX XXXX XXXX  ; XXXX**** has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 

i have not received any money from this company

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