BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have attached an FTC report with fraudulent unauthorized inquiries

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 2023-04-02
Company: EQUIFAX, INC.
State: PA
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 numerous letter 's to XXXX and XXXX XXXX about a collection account that is still showing on my credit report. I no longer have a collection with these XXXX companies and it's still showing up on my consumer report which is causing me personal and financial problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a charged off debt with Capital One and never received any information that the debt was transferred to a collection agency. I received a letter from my local court that I was being sued for the debt. I could not validate the debt with the collection agency as I was not aware of the collection agency. I received notification about the lawsuit in XX/XX/XXXX and the court date has been postponed to XX/XX/XXXX and now XX/XX/XXXX. The debt was charged off in XX/XX/XXXX for {$1800.00}. If the debt was charged off, does that mean it was sold to another creditor? I disputed the inaccuracy in the reporting of the debt and was told that the information is correct. There are three different dates for last activity. I submitted three dispute letters and they will not remove the inaccurate reporting which they are required to do by law. i want the account removed from my credit report and the lawsuit dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have tried numerus times to get this account taken off of my account but the credit bureaus will not remove this fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I suspected fraud on my account so went to a local branch XX/XX/2022. I was told to close the account and reopen another. Not a problem, but I asked the bank employee twice if it would affect my social security deposit the following day, XX/XX/XXXX. He told me not to worry. 
The deposit went into my closed account on XX/XX/XXXX, but on XX/XX/XXXX it was removed. I immediately called the bank. They told me that my account was CLOSED to deposits and withdrawls!!! The woman I spoke with changed it back and asked me if I had been in the bank that day. I told her no. She said someone had gone into my account. Interesting. And changed something. 
I had been expecting a deposit from insurance and was happy it went into the closed account @ XX/XX/XXXX. I submitted another and had been waiting for it for days. I called the bank 3 days ago and was told that my account was CLOSED to deposits. I did not ever authorize this. I need to reiterate : the social security check was still not redeposited. I would stop into the bank weekly and this banker would be obviously annoyed at me for asking if they could see if the check was going in. So, apparently, according to the supervisor at the bank someone went back into my account unbeknownst and without permission from me and shut it down. I still do not have that last deposit which was returned and almost didnt get the social security check had I not called. This is in my opinion a serious violation of my rights. I have filed a complaint with the bank and was told to speak to the branch mgr. I have called several times and am told that the mgr is out and would I like to leave a message. I do and they never call back. Unfortunately Ive got a very XXXX XXXX  this week and was unable to go in person. I fully intend to once I am better.

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 2023-04-02
Company: EQUIFAX, INC.
State: LA
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
Consumer complaint received 2020-12-30
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to complaint XXXX. 

Midland Credit Management still has failed to VALIDATE that I owe Midland Credit Management a debt!!!! I dont owe Midland Credit Management anything!!!! The original creditor is the only person according to FCRA that can validate a debt pursuant 15 usc 1692g. The documents that were submitted by Midland are fraudulent and only verify that a debt exists but doesnt validate that a debt exists by myself that is owed to Midland Credit Management . Also according to 15 usc 1681b ( 2 ) all transactions between a consumer and person are to be excluded from the consumers credit report! Even if this debt was valid my rights as a consumer are still being violated and pursuant 15 usc 1692k each violation is punishable in the amount of 1,000.00. Furthermore Midland Credit Management is also in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. You are giving the false impression that you are working with the original creditor which is not the case. The debt has apparently been sold and therefore the original creditor according to you doesnt even own the debt!!!!! You are furnishing false information which violates 15 usc 1692e ; debt parking which is a form of harassment which violates 15 usc 1692d and 1692f. As stated above Midland Credit Management is civilly liable for each violation of my rights as a natural person!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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 previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 2 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from 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 explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2023-07-17
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 2020-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Ok XXXX a company I dealt with briefly disputed a transaction I said was unauthorized. The bank on several occasions have referred to me as a liar, saying they refunded me, etc. XXXX simply wanted to know what happened to the transfer they sent me because Chase closed my debit card. The customer service representative at the branch and over the phone said this account is closed. That's what the notes said. I Never authorized them to close my account. XXXX was trying to make right what was an error on their end. Chase removed {$760.00} from me saying the merchant had paid me. No boo boo ... look at the dates of the email and my statements. Chase is dead wrong. I have had nothing but problems with them. Nightmare. Everyweek it's something new. XXXX is not lying because I have proof that it was sent. So where is my money???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 made many attempts to resolve an issue with my credit reports from XXXX, XXXX, and Transunion. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.

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 2022-08-19
Company: EQUIFAX, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX Charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: AZ
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:
N accordance with the fair credit reporting act XXXXt account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXXS, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX, account # XXXX XXXX, account # 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 reportion agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently became aware of a delinquent reporting for a credit card I had a long time ago that Wells Fargo just decided to close one day ( payments had always been on time ). 
This report had not shown up on XXXX XXXX, so I was not aware of the issue until I was applying for a mortgage. 

I immediately contacted Wells and was referred to their Attorney. 

Within a few days, the attorney and I concluded an agreement that was signed by Wells Fargo for payment of the account. 

I sent a Cashiers Check for the full amount of the agreement to the Attorney, The Attorney then paid Wells and wrote me a letter stating that the account was now paid. 

However, the credit reporting agency will NOT accept verification from " a third party '' stating the verification of the account payment MUST come from the reporting entity ( Wells Fargo ). 

When I contacted Wells, they refuse to provide any documentation to me. 
They said Wells automatically updates credit reports on a QUARTERLY basis and I would have to wait until that happened. 

I explained that I just need a letter / verification that it has been paid, so I can close on a house by the end of the month ( 9 days until the end of the month ). 

I then talked to the mortgage company -- they of course were surprised at Wells Fargo 's response. 

So I called them again. This time I spoke with a person named XXXX. 

XXXX said they NOT help me but would treat this " just like they do for for everyone else ''. I would need to just wait until Wells Fargo processed things through their system and reported it in a month or so. 

The fact that I stand to lose a considerable amount of money by not closing on time, was of no importance to her. That was JUST TOO BAD. 

She repeated and rudely stated that they NEVER provide letters or documentation. 
She stated there is NO LAW that forces them to do and she was not going to do anything to help. I asked if I could have the credit reporting agency contact her -- and she said NO. they would not talk to anyone or verify it with them. 
Again, I could contact or report it to any body I wanted, but she would not do anything to help and there was no law in the country that could make her do it. 

She repeated that Wells Fargo treats everyone the same and you just have to wait for as long as it takes. 

She agreed that she could see that the payment had been made. And it would be reported within the next few months. Have a nice day.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed 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 non-monetary relief