BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.

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 2022-04-04
Company: TRANSWORLD SYSTEMS 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:
Transworld systems is reporting an account on my credit. XXXX XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 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 explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 you 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
**If its anything over {$1.00} they are to return the money PERIOD! 
( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; XXXX refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) XXXX make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXXXXXX 12 CFR 1026.21 - Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( XXXX  ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( XXXX ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required. 
XXXX XXXX XXXX, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved

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 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7  separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX Bank account # : XXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.

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 2018-02-02
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 information incorrect

Complaint:
I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: MD
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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-14
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX after I closed on my home the title company sent my Insurance agency a check of {$2400.00} that was stolen and cashed and now they're threatening to cancel my homeowners insurance and bank united Is Handling the fraud case And they are taking too long, that money need to be deposited back into my escrow account for my Homeowners insurance Before I get canceled Here are our list of the parties involved. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX person in charge at BankUnited is XXXX XXXX XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: DE
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:
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  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 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

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 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We are having an ongoing problem with my Capital One XXXX  credit card. When I went to use the card on XX/XX/XXXX, my charge was declined. When we contacted Capital One on XX/XX/XXXX, they informed us that there was a restriction placed on our card. We have been customers of Capital One for several years and have NEVER not paid our bill in full on a timely basis. We have never incurred a finance charge. When we called Capital One consumer service and asked why there was a restriction on our account, they would not tell us why. They said that someone would reach out to us within XXXX hours. We also asked to speak with a supervisor ( XXXX XXXX ) who told me the same thing. They would release no information on why our card was restricted. On XX/XX/XXXX when no one reached out to me within XXXX hours, I also sent a detailed email to the President of Capital One ( XXXX XXXX ). Again - no response. I contacted Capital One again yesterday - XX/XX/XXXX - and requested a supervisor. I spoke with XXXX ( XXXX ) and he told me that someone will contact me within 5-7 business days of the inception of the restriction and also would not tell me why the card was restricted. It has been 8 business days and no one has contacted me. Therefore, I was NEVER contacted by anyone at Capital One either to originally inform me of this restriction - and thus spare me the embarrassment of having my card declined in a public space - or to follow through as promised within 72 hours or 5-7 business days. To date, not one call or email or text has been sent to me by Capital One nor has anyone been willing to tell me why a restriction was placed on my account. I believe that 15 US Code 1681g is applicable here and that the consumer reporting agency, i.e. Capital One, is required by law to clearly and accurately disclose to me all information in my file when requested. I do not know how to resolve this issue as Capital One will not cooperate with me in any way. All I want to do is sever my relationship with this awful company. My last bill was paid in full ( as always ) and I have outstanding charges of just over {$1500.00} made after payment of the last bill but before the restrictions were placed on my card. We have cash back of {$540.00} due us and want to deduct this amount from our remaining balance, pay our last adjusted bill and close our account. Both supervisors and each person I spoke to at Capital One told me we could not get our cash back until the restrictions were lifted and yet they won't lift them or give us any reason for said restrictions. Both myself and the primary card holder - my husband XXXX XXXX- have been involved in these communications with Capital One. We need help in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2023-12-13
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: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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