BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent all the certified documentation to TransunionXXXX XXXX, and XXXX  regarding their method of verification regarding 3rd parties due to they continue to place inaccurate and unverified info on my CR. XXXX XXXX sent me a letters stating they removed these 2 XXXX  from their files and I have a security freeze through their company. Transunion is the only company that responded in writing but wouldn't tell me their method of verification via phone which XXXX is listed on all their credit bureaus websites that this is their source of public records. I have sent certified mailed letters to each bureaus regarding removing the XXXX due to FCRA 611 ( 15 USC 1681 ) goes against the policies and must be deleted immediately because its not proper verification. Credit bureaus cant use 3rd parties public record that they must directly contact the Bankruptcy Court itself who is the original furnisher it has to be 100 % accurate/verified. I have submitted a letter from the Courthouse stating they don't speak nor associate themselves with credit bureaus nor 3rd parties. I have not received any documentation from XXXX & XXXX upon certified letters till this day. I have submitted a letter from XXXX/Transunion who wont allow me to place an security freeze on the report which I have a right on all reports by law especially if its inaccurate info. On my CR its listed 2 different attorneys which I never heard of nor have I signed any documentation with any third parties. I also have security freezes on all the credit bureaus so how are they able to continue to report inaccuracies if I have all this documentation. I have listed all the supported documents you will need to handle this situation because the CB continue to lie and place information on CR that are not true which they keep blaming the courthouse.

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 2022-04-05
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ).

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?

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 2022-04-05
Company: Experian Information Solutions Inc.
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 have disputed XXXX XXXX XXXX multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.

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 2018-03-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed my XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had reported my credit with XXXX XXXX that my car payment owed was down to {$2000.00} and my score was adjusted. Recently my score changed 29 points and Transunion is still reporting that I owe {$5800.00} which they just sent me a report which it says. I have reached out to XXXX XXXX XXXX at XXXX and the balance is {$2000.00}. Transunion says they have no updates to this yet I have a reciept and verified account 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 explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't want this on my report, u can delete it immediately, it's not mine. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
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 recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

DEPT OF EDXXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 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 explanation
Consumer complaint received 2020-10-02
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$3000.00} to be paid via check for 3 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress. The certified return receipt was received on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Veem  Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear CFPB team, My Name is XXXX XXXX. I operate a company in US remotely from XXXX. My EIN no is XXXX. 

I have a Wallet account with Veem that my customer XXXX XXXX opened for depositing our payments. 
My account is being operated under the ID of XXXX. 

I have witnessed a fraud worth of XXXX USD. And I am seeking your help in this regard. 

Someone hacked into my Veem account and updated the withdrawal method on XXXX XXXX with an account that doesn't belong to me. I never received any email about updating of this account. Infact, when I was trying to change my account again to my regular account after the fraud, Veem allowed that too without any verification on email or SMS. I expect a responsible company like Veem to have better processes like 2 Factor Authentication ( Passwords on email as well as SMS ) to be in place even if international SMSes are expensive to send. 

Taking advantage of this loophole, someone has updated their own withdrawal method and withdrawn XXXX USD between XXXX to XXXX XXXX. I have been struggling to login to my account for a week now and finally, when I was able to get in, I could see all my money gone to my despair. 

This is a very large Sum for a small business like us and I hope the team can help and restore this money immediately in our account. 

Also, below are my observations : 1. What verification are in place in case of Veem when someone initiates money transfer? For instance, on my XXXX account, I have to submit a One time password received on phone as and when I transfer any money to anyone. This password expires within 60 secs. Does Veem follow those stringent protocols? Shouldnt they be doing that. 

2. Infact, apart from hacking my account fraudster also asked for a XXXX credit on my account. And I was been called on one of the days to be verified, whether I applied for credit or not?. Shouldn't there be similar verification when the principal account for withdrawal is changed? At least an automated one? Just because its my money, should Veem be allowed to be careless. They definitely have processes in place for offering credit ( Which was effective and I denied applying ). Shouldnt they care equally about my money. 

3. XXXX USD is more than 50 % of our total working capital or us as a small company. What are my rights? Am I protected with any insurance? What about the loss of working capital and hence loss of business opportunity due to negligence on part of Veem? Would there be temporary restoration of credit. How can the impact be minimized to my firm. 

I have reached out to Veem with similar complaint but haven't received a response yet. I am reaching out to CFPB in parallel. I hope someone from your side with intervene and expedite the resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. 
I demand these companies to handle the items expeditiously based on the reasons that I put in my letters and update all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. items I disputed in my 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 2023-09-23
Company: EQUIFAX, INC.
State: PA
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:
I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from XXXX XXXX holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called Bank of America as I noticed I was being charged a $ XXXX   monthly maintenance fee on my personal checking account. The customer service rep advised that the fee was correct based on the type of account I had. He then retracted his statement to say that he provided the wrong information in error as they were using a new tool called XXXX XXXX. He then stated that based on the product I have theres certain criteria and thresholds to help avoid fees. One of the criteria was to maintain at least a {$2000.00} average daily balance in my savings account. There was several months of which I met this criteria, however Ive continued to be accessed with this {$14.00} fee for several years. The customer service rep proceeded to advise me that since I was just notifying them of the error that there was nothing I could do to be refunded for the bank error. I asked to speak with a supervisor and the representative advised that the only option was to request a callback. After insisting that a callback was not acceptable, the customer service rep returned to the call and stated I had the option to wait on a supervisor but the industry has moved away from that option asa whole. I then spoke with a supervisor after being on the phone for approximately 1 hour. My conversation with XXXX XXXX ( supervisor )  lasted for another hour. She assured me that the bank doesnt make errors and that I had not met the criteria. I requested that she pull my monthly statements as I was currently looking at them on the BOA app and it showed I had met the criteria for multiple months. She then downloaded the statements to see that I was correct. She placed me on hold and returned to agree to waive 6 months worth of fees as I had met the criteria however she advised it was still my error as my accounts werent linked based on a solutions based option that would have been offered to me years ago. I asked when was this offered and she stated the bank doesnt keep any documentation beyond 7 years. She then proceeded to say that I must dispute any fee errors within 60 fats of the errror and that they would only go back 1 year. I asked since I have fees in error dating back for more than 1 year, what could I do for a solution? She advised they dont go over internal bank policy with the customer so there was nothing she could do further.

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 2023-10-25
Company: Chime Financial Inc
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I am writing to request a correction my account was use to make unauthorized purchases up too {$23000.00} which thieves drain my account to XXXX cent. I will need a real dispute process and not an automatic no error message from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have disputed this information several times with equifax and even tried using XXXX to help get this off but they refuse to get it off of my report for some reason. It is old outdated child support that information is incorrect on. I believe even the dates are wrong in it also says it was opened on XX/XX/1969. I wasnt even born then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation