BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Company : Portfolio Recovery Systems Address : PRS XXXX XXXX XXXX XXXX Va XXXX Phone : XXXX Account XXXX Attention Credit Collection Company : To Whom It May Concern : On XX/XX/XXXX I discovered this debit on my credit Report. 
I have no knowledge of this debit. I had received letters from you regarding credit issues for two prior XXXX XXXX accounts XXXX XXXX As of XXXX The new debit reported to my credit, I had thought that this was from the prior accounts and disputed it. 
On receiving paperwork dated XXXX I have contacted your company and had spoken with the dispute department. 
( 1 ) I had validated my debits with XXXX XXXX accounts ending in XXXX and XXXX ( 2 ) XXXX XXXX will not allow me to originate a new card in any way shape or capacity while I have two charging off accounts.

( 3 ) The balance on card ending in XXXX and XXXX is the same as confirmed on your end. 
( 4 ) I had contacted your company for the payoff amounts for any and all accounts that may pertain to me when I had paid my previous debits and this account XXXX was obtained by you on XXXX, per your rep but did not post to my credit until XXXX ( 5 ) on XXXX I had spoken with a representative that assigned himself to my accounts and took valid payments to clear them, this third account was not mentioned nor was brought up. My address was valid in your system as you had sent me paperwork via the FCRA rules on the last debits but not this one. 
( 6 ) The account aforementioned XXXX was originated in a town 35 miles from my location and the transactions took place in that location. 



In accordance with the Rules of the FDCPA, I am requesting that : Immediately stop its collection activity due to two things The validity that this is my actual debit and that it may have been transposed from the original creditor, or within the company itself.

1. Again the address is not mine and had not been since XXXX 2. A. The debit was suddenly assigned to me XXXX XXXX had cleared all my accounts as they were sent to you and verified. Again XXXX XXXX will not issue another card when one is in bad standings B. The assignment of debit if it happened on XXXX to your company than it should have been made available for payment when I paid on my other debits on 03.27.21 C. Unsure of how the debit made it to one credit report and not the others, and it just started reporting on XXXX when it was in possession of the collection company for 2 months. 
Investigate the debit : I request a copy of the original debit origination paperwork signed by me. 
If you can verify the information, you have listed as accurate, please provide the name of the person supplying this data as well as the way it was provided in order that I may pursue remedies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX - XXXX, Ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2022-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check from my landlord for the refund of my security deposit of {$3500.00} I can not get a bank account in my name from ANY bank due being blacklisted by the banks because I closed 2 accounts several years ago with disputed negative balances from FEES assessed in error. So I went to the branch of INVESTORS BANK that handles the landlords account to cash the check. I presented proper ID but they refused to cash the check. It would have been ok if it was {$2500.00}. but for this amount would have to be deposited. Fine, I told them I would be happy to open ANY kind of account to deposit the check, and explained the disputes that appear on XXXX 's report. They refused to open the account or offer any alternatives to solve the problem. I had to take the check to a check cashing service which cost me {$77.00} and 40mins waiting for them to verify with my landlord, which they did. The bank could have done this if there was any worry of fraud. This is a punitive system, where the banks have ganged up to punish anyone who dares cross them, and to create a miserable customer experience for poor people!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a voicemail message on XX/XX/XXXX from XXXX XXXX from a county process server division. Was told to call XXXX and that I have been notified. I called back on XX/XX/XXXX and she said this was a old debt with orchard bank. So I asked if they could send a digital copy of this and she said no, that they had sent me a letter back in XX/XX/2023. I never received any letter in XXXX about this matter. Not even sure who I was talking to on the phone. Never stated what the Firm name she worked for. Never told me I could dispute this debt or if it was a time-barred debt. Never gave me name of collector or even a address to where I could dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: FL
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 have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-21
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MED DATA SYS reported that I owe them {$1300.00}, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

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 2022-11-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have read that Equifax is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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:
Company name : XXXX Account number : XXXX. 

XXXX used my credit report improperly. 

I opened an account with XXXX for a WiFi router  in XXXX. I have been paying this account perfectly until the contract expired in XXXX. I then lost the router. 

On the XXXX of XX/XX/XXXX. I called XXXX Cancelations department as I was no longer using the router and I had the right to cancel it because the contract had expired. I requested for a cancelation which was confirmed telephonically. The reference number of the phone call is : XXXX XXXX XXXX XXXX. So then I proceeded to stop the debit order on my side. A couple of months down the line I get phone calls from Debt collectors saying I owe XXXX. I called XXXX, I spoke to one agent who confirmed that there is a cancelation request which was placed in XXXX when the account was still up to date. And she confirmed that she also does not understand why the account was not canceled. She advised me to lodge a dispute which I did. But until this day the matter has not been resolved. Debt collectors are still calling me asking me to pay. When I call XXXX to follow up on the dispute, I get sent from pillar to post. No one is giving me answers. I have involved my lawyers in the matter and they're still working on it.

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 2021-12-01
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: Investigation took more than 30 days

Complaint:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXXr and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-08-14
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I filed a complaint against XXXX XXXX, for not giving me the refund of {$440.00} as promised. This was on my Citi Rewards Credit Card. The Disputes Department failed to send me the letter for additional information and, subsequently, closed the dispute out on XX/XX/XXXX in XXXX 's favor and put the charges back on my card. 
I called CitiBank, who said the notices were sent electronically under my account. I explained I wasn't aware of this and the dispute was reopened. 
I sent supporting documentation ( attached here for your review ). CitiBank has once again failed to give me a conditional credit and again closed the dispute. According to a representative I spoke to, the notices on my account were generated automatically but the dispute had not been closed out and my response has been sent to XXXX XXXX, who has 45 days to respond. I was advised the conditional credit would be put on again, but this has not been done and payments are still being taken out.

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 2023-09-22
Company: SANTANDER HOLDINGS USA, 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:
On or about XX/XX/2023 I called Chrysler Capital and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and XXXX. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to Chrysler Capital. In this notice it contains this same request and I'm requesting for Chrysler Capital to stop sharing my nonpublic information with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
this account, " capital one auto financing '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan

Company response to consumer: Closed with explanation