BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
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 reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to bring to your attention a concerning issue I have been facing with XXXX XXXX XXXX. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid. 

To provide some context, I had taken out a car loan from XXXX XXXX XXXX a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, XXXX XXXX XXXX reported multiple late payments to the credit bureaus, which had a negative impact on my credit score. 

Furthermore, even after I had paid off the entire loan, XXXX XXXX XXXX did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future. 

I have attempted to rectify this situation by contacting XXXX XXXX XXXX XXXX XXXX, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report. 

I believe that XXXX XXXX XXXX ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX rectifies their error and removes the late payment reports from my credit report. 

Thank you for your attention to this matter.

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 2022-11-28
Company: EQUIFAX, INC.
State: CA
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 Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-01-05
Company: EQUIFAX, INC.
State: LA
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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2021-01-05
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX I had an online checking account with chime ... they closed my account and stated my balance would be sent to me with within 30 days of closure which was XX/XX/XXXX .... Ive contacted them numerous times to get excuse after excuse and still no check as of XX/XX/XXXX .... they have emailed me back saying check was coming and would provide a tracking number ... never providing the information promised or the actual check ... now there not even contacting me back!!! When I try to call it prompts me to email and hangs up on me ... please help me!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: AL
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:
Equifax is reporting fraudulent accounts and inquiries I was the victim of identity theft and they refused to remove items I have disputed several times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have sent police report and id and everything they have asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Both of my accounts with Wells Fargo had money taken out of it due to a legal order that was placed with Wells Fargo with a person Social Security number that was similar to my wifes. I checked with the company which is XXXX XXXX XXXX XXXX, which they told me they didnt have any records of me and my wife they have taken over {$2500.00} out of my account to find out that someone from Wells Fargo put the wrong Social Security number in and didnt verify the name which is neither me or my wife now I have two hard to hard. What is it called? locks on both of my accounts and no one from Wells Fargo seems to help. We have no access to our accounts. We have money going in every day which we can not see anymore and if it is being taken out by the company everyone from Wells Fargo is hanging up on me and not trying to help.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
7 Violations = {$7000.00} XXXX see attached documents ) According to the provisions of the Fair Credit Reporting Act 15 USC 1692g a- ( 3 ), a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Assumed means not true or real : deliberately pretended or feigned : false, fictitious. The law DOES NOT state a debt collector or creditor can validate debt. The consumer is the ONLY PERSON, who can validate debt and you must furnish proof to the consumer including the application and/or contract with signature. This is a violation, based off recent disputes I have done with Transunion, multiple violations totaling {$7000.00} with a breakdown of {$1000.00} for each violation totaling 7. I have disputed, and this was not done at all. Instead, I have received updates via mail and online with the following message : The information you disputed has been verified as accurate. Verified with who? I, the consumer, have stated this debt is not mine and I have received NO documentation at all. You have violated my consumer rights multiple times. I repeat, I am the consumer, and the debt is not mine. I do not owe any of the debt mentioned above because I am the consumer, and I am not obligated to pay. 

In addition, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am, also, requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

1 ) Provide breakdown of fees including how you calculated what you claim I owe.

2 ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

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

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 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I purchased a XXXX bag on XXXX  for {$2700.00} from a seller named XXXX, and paid through XXXX with my CapitalOne Visa Credit Card. I received a fake pair of XXXX XXXX shoes, not the bag I paid for. 

I contacted XXXX about this and after their investigation, they found other fraud activities from this seller and removed this person from their platform. 

I filed a dispute with my card issuer Capital One/Visa to recover my funds, and provided them all the documents I have, including email from XXXX confirming that this seller is a scammer and has been removed from their platform, XXXX sent them documents siding with the seller based on the fact that a package was delivered to my address, with the tracking number the seller provided, even though the contents of the said package is not what I ordered and paid for. Capital One closed the case and offered no help whatsoever, then referred me back to XXXX. XXXX informed me that they would have refunded my money but since the case went to my card issuer, they are the higher authority so there is nothing XXXX can do now. I also filed a complaint with the Internet Crime Complaint Center. Right now, I am scammed out of {$2700.00}. XXXX, Capital One and Visa have so far colluded with this seller to defraud me. I am trying to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. Equifax IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am disgusted with Care Credit. They closed my account with absolutely no notice, and it happened to be the very day I needed to use it for a medical bill. I have been an excellent customer ; I have never missed a payment, and even paid off my entire balance a few months ago. After doing some research, I found that they often do this to customers, many of whom were in far more dire positions that I. People use Care Credit because medical care is inaccessible and unaffordable in our country, and many of us depend on it in order to get necessary medical/veterinary care. For many, closing this account with no reason or notice could quite literally jeopardize someone's life. I'm horrified that a company with " Care '' in its name values its customers so little.

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 2022-04-26
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For One The Address Is Wrong My Address Is XXXX XXXX XXXX XXXX The Address They Got Reporting Is XXXX XXXX XXXX South Carolina. Thats Not My Address, The Birthday Reporting Is XX/XX/98, My Birthday Is XX/XX/98. I Do Not Own This Debt. I Would Like It 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 explanation
Consumer complaint received 2020-05-14
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2014 (? ) I opened a XXXX XXXX  XXXX for dental work. I was a recent widow and did not have dental insurance nor did I have a large bank account. Before I knew what was happening I was at the dentist every week and racking up a huge bill. When I realized I could not make a payment I called the company right away to let them know. I even wrote to them to work out a different payment plan until I found better employment. 
They would not work with me so they reported bad debt to the Credit Reporting agencies and sold my account to Credit Corp. At the same time they were still trying to collect from me. When I questioned that they told me since they sold it for less than what was owed they were permitted to do that. 
I worked out a payment plan that I could afford with Credit Corp and was making my monthly payments for over a year. In fact they would deduct it from my account. When I got laid off from my job due to the Coronavirus I called them to let them know that I would not be able to pay and that the checking account was also going to be closed. I would start making them again when I could. They told me I still needed to make them regardless. Now I am getting phone calls and mail regarding this. With all the payments I have made this is hardly impacted the dollar amount and it may have risen. 
Is there anyway to make these people cease harassing me until the pandemic is over? 
I have gone back to work but since it is commission based I am not earning a commission and don't see that happening the future. It's going to be a while before I can start paying again and I don't want them or XXXX XXXX to post negative remarks to my credit report again. 
Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX has a credit card account opened on my credit report that is fraudulent that I would like removed immediately. 
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