BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following reported Public Records/Bankruptcy accounts contain inaccurate and erroneous information. 

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 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX  and 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 non-monetary relief
Consumer complaint received 2023-09-04
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2023 I sent {$980.00} to what I thought was my contact in phone to the wrong person. As my phone book was synced to the app like any other bank. But on XX/XX/2023 that person was not in my contacts and the money went to them. I made a claim with CHIME bank to get those funds back as I don't know who that person is. And there no where in my phone book contacts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. XXXX has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.

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 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I began monitoring my credit report. I noticed that I had a collections on my account in the amount of {$4100.00} for a XXXX account. The Collection company was Deversified Consultants. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Florida XXXX. 

( XXXX ) XXXX. I disputed this information on my credit report asI had no knowledge of the account and did not purchase anything or have XXXX services. The dispute came back as valid in XXXX. I disputed this account for a second time. I called Diversified Consultants and they said that I would need to contact XXXX to clear the account. 

I then filed a complaint with the federal trade commission, and sent a notarized investigation request/ affidavit to XXXX. To this date XX/XX/XXXX I have had no correspondence from XXXX or Diversified consultants, and the negative account remains on my credit report as a collection in the amount of {$4100.00}. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims.

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation. 

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit filXXXX 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 2023-06-21
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX account close in the year XXXX for XXXX and I notice the account reopened for XXXX on XX/XX/XXXX stating I owe money. I contact the bank and they stated, it was a mistake the account was closed in XXXX. The lady stated she did not see anything on her end about the account being open at XXXX. She only sees the account being closed in the year XXXX for XXXX. I contact Experian, XXXX, and XXXX to put in a dispute in XXXX with no changes and my credit usage is 181 % which is incorrect. The other credit score credit usage is 47 %. All my XXXX XXXX cards are closed and using XXXX XXXX to consolidate credit cards to a monthly payment. This is hindering me from applying for a loan on a house. Then Experian stated, don't worry about the credit usage being higher, however, it will not stop you from getting a house. I talk to a realtor she stated, Experian and XXXX XXXX XXXX are stopping me from purchasing a house. The credit usage is high and incorrect information on credit reports with open accounts that are closed.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

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 inaccurate.

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 2023-11-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies XXXX, Trans Union and XXXX that the balance of my student loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.

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 2023-11-21
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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:
After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Caine and Weiner came in to the picture after providing them proof we ( a texas business ) did not owe the debt. We have proof and provided them with the signed contract of a past customer. This ex-customer signed the " no refund '' policy came on to our property damaged it. Ruined a prime weekend rental then contacted their XXXX XXXX Our XXXX XXXX refused the charge back ( rightfully so ). Then came the scammers and XXXX 

They attempted to collect a fraudulent debt. Then they harrassed us daily with calls, letter threating to ruin our credit. This is a federal violation of law. We submitted a certified letter warning them against this. They continue to this date with their XXXX inspired XXXX, collection attempts. XXXX then placed a collection account AFTER our letters and proof were provided. This is FEDERAL harasement and they continue to do this to others. Check with the XXXX  and XXXX office in TX and FL. They are investigating these scammers. Please review the attached docs. We need criminal prosecution. This company is operating as a criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Duncan Solutions, lnc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a statement in the mail from Professional Account Management , LLC ( XXXX ), stating that I owed a debt that I am not aware of. Furthermore, I never conducted any type of business with this entity so I am not sure how you obtained my personally identifiable information. I do not consent to this alleged debt, and I will not be paying it. This is your notice to cease and desist all communications in relation to this alleged debt unless the debt is both validated and verified within 15 calendar days.

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 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hi good day this was a paying account I got my car reprocessed due to the covid struggle in I happened to make a payment in for some reason the bank tough it was false transaction in turned back the check but was over XXXX in the bank to cover for the check had problems with the bank account at the time in my belongings that was built in to the car i wasn't given back in they reprocessed the car wrongful cares is in affect till XXXX XX/XX/2029

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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:
Trans Union continues to report inaccurate information on me which is a violation of my rights. They said the info was accurate but cant prove it. I asked them to, they are stalling.

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 2023-07-01
Company: Bread Financial Holdings, Inc.
State: WA
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:
For the transection XX/XX/2023 XXXX XXXX XXXX XXXX WA {$8000.00}, I returned the merchandise on XX/XX/2023, but so far I have not received the refund. The merchant asked me to call my financial institution so I called the bread Cashback card to ask about details. The bread Cashback card customer service agent over the phone helped me open the dispute and asked me to upload the supporting document here. I uploaded the return receipt. The bank told me that before dispute close, I'm not responsible for the payment of this transection. The dispute would close no later than 90 days. On XXXX, the bank posted XXXX dollars interest charge on XX/XX/2023 for this transection. On XXXX, the bank 's auto-pay system just automatically pull this transaction amount ( {$8000.00} ) plus the interest ( XXXX ) from my saving 's account. I contacted them about the dispute and they replied to me on XX/XX/XXXX that they are still investigating this issue. It has been more than their promised investigation time and I still have not received the refund for this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, Reference complaint XXXX which has been responded to but the company ( NewRez LLC - XXXX XXXX XXXX XXXX ) has not done what it said it did. 

I am owed a refund of {$420.00} for an appraisal fee. The company ( NewRez LLC - XXXX XXXX XXXX XXXX ) states that a refund of {$420.00} was sent to my original charged credit card on XX/XX/2023. 

I contacted my bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) which has no record of the transaction. ( NewRez LLC XXXX XXXX XXXX XXXX XXXX ) claims. While they provided a copy of a credit voucher receipt which I provided to my bank. As stated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  can find no record of that transaction. 
This leads to the possibility of one of two conclusions : 1. ) NewRez LLC is claiming a transaction and has provided a receipt either in error or on purpose to support the claim of a refund that did not occur.

2. ) The refund in question was sent to another account by mistake.

I contacted NewRez LLC after having provided the receipt to my bank and my bank stating they could not find that transaction.

I asked via email that NewRez LL ( Customer Advocacy ) to verify the supposed credit voucher was sent to the correct account.

I have received no reply from NewRez LLC over that request. I can only conclude that NewRez LLC believes they don't have to respond. 

That is why i am filing this updated complaint to the original one ( XXXX ). 

As before I can not count on NewRez LLC to respond in good faith unless a complaint is filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX I have reported all to the ftc and XXXX, Equifax, XXXX

Company response to consumer: Closed with explanation