BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My rights are constantly being violated under the FCRA because I have notified TransUnion that they are reporting inaccurate information and they have not properly verified or investigated any information but continue to report the same inaccurate and misleading information on my report. I disputed this information and not only did they not fix this error, but they also failed to mark this account as being disputed within 30 days of receiving my letter ( s ) which is also a violation of my consumer rights in particularly a violation pursuant to FCRA Section 623 ( a ) ( 3 ). USPS tracking number is XXXX  and they received my letter on XX/XX/XXXX  and sent back a correspondence dated XX/XX/ stating that they investigated the information I disputed and the disputed information was " verified as accurate ''. I have attached a new credit report still showing the inaccuracies with no notice of dispute that should of been reported along with receipts and previous letter.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/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 2023-11-22
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
A {$3500.00} transfer was made from XXXX XXXX  card ending XXXX to Capital One ending XXXX. But instead the transfer was made to Capitol One virtual card ending in XXXX. The transfer was completed on XXXX 's side but Capital One claims the did not receive nor " see '' the transfer. The transaction happened on XX/XX/2022 and still I see the {$3500.00} in my XXXX account and no payoff in my Capital One. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I filed XXXX complaints against Capital One credit card. They continue to pilfer money from my acct. 
You ruled in their favor saying they didn't owe me {$80.00} BUT -- -- -- when they investigated they did put back {$80.00} into my acct and sent me a letter apologizing for the fraud. 
I filed another complaint for {$48.00} they didn't reimburse me. After examining my screen shots they gave me back my {$48.00}. 

They did not apply {$53.00} to my acct when XXXX dropped that charge. It was not put into my available credit, nor was it taken off what I owe Capital One. 
I'm sending you screen shots. I want my {$53.00} put back into my account. They keep pilfering money from me when I do multiple transactions. IT NEEDS TO STOP NOW!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2023-01-21
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:
This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposits not available for use. Credits not available for use

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 2021-08-27
Company: SELECT PORTFOLIO SERVICING, 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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX when the pandemic shutdown was announced I notified my mortgage company Select Portfolio Serving Inc that I had concerns about paying my mortgage because being self employed, my client ( a prom attire store ) knew his business would collapse for the XXXX season. I was advised that I would not have to make mortgage payments for the months for XXXX. I did not make those payments and SPS reported to all credit bureaus my account as current for those three months. 

For XXXX as the pandemic continued, I continued my contact with SPS and I was repeatedly told that I did not have to make payments. However for XXXX SPS reported my account to all three credit bureaus as " Unknown. '' For XXXX I entered into a modified agreement paying {$290.00} per month. I was advised by SPS that had I to make all the payments by the 1st of the month, if not, my home would be turned over for foreclosure. I made all 4 payments on time yet SPS reported " Unknown '' to all the credit bureaus for those 4 months. 

SPS notified me that I needed to enter into another modified agreement for the months of XXXX to pay {$850.00} per month with the same conditions of timely payments. Again, I made all four payments on time but this time SPS reported to the credit bureaus XXXX & XXXX as *Current*, XXXX & XXXX as *Unknown* I entered into the final modification in XX/XX/XXXX. I have made all payments on time and XXXX has been reported as current. 

I have now contacted SPS on 2 separate occasions about the inconsistent reporting of my account to all current bureaus but to no avail. Both of my letters were successfully uploaded to their website. I have contacted SPS last month to request an old tax document. SPS was timely in their response ; however, they refuse to address the inaccurate reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: SYNCHRONY FINANCIAL
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 never opened an account and used them at all for XXXX XXXX/PAYPAL. They addressed to me with wrong address and want me to pay the balance. Otherwise, My credit report would be ruined. In the beginning I disputed them and they recommended again to pay the bill and I would not have any problem on my credit score. I decided that I would follow their recommendation and paid the balance. But, they messed up my credit report. I should have reported to police for identity theft.

By the way, one year later this problem happened again. They called me and asked me to pay another balance under another account which I never ever opened it. I went to police station and reported for that issue.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$670.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: TX
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:
The bureau is in violation of law. XXXX is not a licensed debt collector in the state of Texas and therefore can not legally submit or " verify '' any information on my behalf to any third party agency, according to the Texas Treasury Website. They have submitted this information and are not legally licensed to do so, Please SEE ATTACHED VERIFICATION. This inaccurate, false account must be deleted immediately. As you can see via my report, no other bureau has accepted this illegal information. 

DELETE : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had 4 CDs with First Horizon in XXXX, TN ( Formerly XXXX XXXX ) years ago. I was cleaning out an old file on the CDs I had and found paperwork on the 4 CDs. I called and spoke with XXXX initially on XX/XX/21 to look into what happened to the proceeds of the CDs. She was able to find out the info on 3 of the 4 and said she would get back with me on the fourth CD. She did not call me back so I called again XX/XX/21 and she said she would email that department and get back with me. Again, no call back so I called and spoke with XXXX on XX/XX/21, he said she was off and would have her call me the next day. Again, no call back. All I wanted was documentation on what happened to the proceeds of the last CD. She told me the other 3 were closed but I no longer trust that information verbally and now l would like documentation on the other 3 CDs. Please contact me for the account numbers on all 4 of the CDs. Thank you,.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.

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 2021-08-27
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a call on XX/XX/2021 from a lady with XXXX asking me if I could provide my information to obtain a quote. I told her that I would call back when I was ready because I'm in the middle of a new car purchase. On XX/XX/2021, the same lady called me back and asked if I was ready to purchase XXXX insurance, and I told her no and that I have insurance so I wouldn't consider switching for another 30 days after I complete my new car purchase. On XX/XX/2021, I received a Fair Credit Reporting notice reflecting XXXX ran my credit. I didn't give permission for this to occur and feel violated. I know XXXX doesn't have the right to run my information without my permission and that is what happened. I have tried calling them, and no one knows what to do or say to resolve the issue so I need to file a formal complaint because they are 100 % in violation and cause an inquiry that I can't have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX It is unlawful to report information on a consumer 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