BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

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. 
XXXX  Account # XXXX ( input accounts ), 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-04-29
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SUNRISE CREDIT SERVICE has flagged your account as Collections on XXXX XXXX, 2022. 

Source : XXXX XXXX : SUNRISE CREDIT SERVICE Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XXXX XXXX, XXXX  Balance : {$5200.00} They contacted via phone in XXXX and I told them this was included the original debt in bankruptcy gave case number and never heard from them again and now its showing on my credit as a collections. I have the bankruptcy paperwork and gave that to them and have disputed this with all 3 credit agencys and it is now on my credit and is hurting my score and livelihood. This is not a valid debt it was in 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Inquiry : XXXXXXXX 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 2022-03-01
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}

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 non-monetary relief
Consumer complaint received 2021-05-06
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 recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted transunion, XXXX  and XXXX regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX XXXX XXXX : {$210.00} Due to the inaccurate information this account posts on my credit file, it has been contested. How many times do I need to mention that the payment history on this account is false? I never missed a payment when using this account. My own payment records have been kept, and what they display differs from what I have. Please update the payment history for this account by deleting the late payments from the payment records. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$450.00} In my credit report, this charge-off account is showing an incorrect balance. Why does this account continue to show with {$450.00} as balance although this account was previously a charge off? Charge off accounts should always report balance as XXXX. I've been attempting to update this inaccurate information, but you have not taken any action. I need this account to be deleted as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} I don't recall ever having a customer account with this business. Despite my repeated requests, you have not supplied me any copies of your ownership documentation. Once more, kindly provide me copies of any documents with my signature on them attesting to my ownership of this account or serving as proof of verification. If such documentation are not forthcoming, the account should be immediately closed. 

XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019 I think that XXXX be a violation of the Fair Credit Reporting Act, so please examine the docket number and kind of public record. Because it violates the Fair Credit Reporting Act, kindly erase this public record. 

XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 I want you to check the docket number and the category of public record because I believe it violates the Fair Credit Reporting Act. Due to a Fair Credit Reporting Act violation, kindly erase this public record.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: OH
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

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 2023-05-23
Company: FORD MOTOR CREDIT CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX  XXXX XXXX Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Per the Cares Act from the government, payments made to student loans during the pause period from XX/XX/XXXX to XX/XX/XXXX are eligible to be reimbursed. It says this on the federal student aid website and it is encouraged to contact the loan servicer to get the money back. https : //studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest. It says exactly this right now, Refunds During the Payment Pause. You can get a refund for most payments ( including auto pay ) you make from XX/XX/XXXX, through XXXX XXXX, XXXX. If you have a Direct Consolidation Loan, you cant get refunds on payments you made before consolidating. Contact your loan servicer to request that your payment be refunded. I contacted MOHELA today, XX/XX/XXXXXXXX to request the refund but they are refusing to put the request through because they are interpreting the statement to be that after XX/XX/XXXX you can not make that request anymore but the federal student aid website does not say that. Their website still encourages you to contact the loan servicer for the refund. Mohela will not let me talk to a supervisor. I asked that they just put in the submission but they are refusing because they say it will just be denied. I said even if it is denied I would like to try but they are refusing saying they are allowed but this information is not on their website and can not be found anywhere in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that i had 2 late payments on accounts 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 accounts XXXX XXXX XXXX # 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 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 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second claim reguarding this. Capital One responded to my first claim stating that XXXX needed to submit for the funds to be returned to them. After struggling with them to get them to do this they sent it over for the amount that was deposited of {$110000.00} and capital one denied it stating that there was insufficient funds. I have been trying to get this worked out with XXXX from capital one talk to her last week on Friday she let me know she would be returning to the office on Tuesday have tried multiple times to contact her and she will not return my call. I have provided Capital One with the document they were asking for yet they are still denying to release my funds back to XXXX capital one has held my funds for over two months now I need help getting them to do their job. I did get a quick response from the first claim I put in however they have not kept up there end And sent the money back as they requested per XXXX. I have contacted XXXX at least three times a day since Tuesday and have yet to hear a response I think waiting over two months is long enough and I feel like capital one is intentionally holding my funds.

Company response to consumer: Closed with explanation
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:
hen I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX 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. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is 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 items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted Transunion because they kept removing than re-applying the same inquires after they were disputed then removed. They also had a man named XXXX XXXX on my file and I kept asking them to remove it and they ignored me. 
I requested they keep the original removed inquires off and someone kept reapplying them months later each time. It was XXXX XXXX ( XXXX ) and 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 2022-08-15
Company: Experian Information Solutions Inc.
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 am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Experian, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts ; XXXX XXXX XXXX  account number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802- Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.

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 2021-06-14
Company: NELSON AND KENNARD
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had spoken to a representative and explained that I have been under XXXX since XX/XX/2020 and under XXXX XXXX. She said ok she will make a note of it this was a week ago and today I get served a legal papers threatening to take me to court. I attempted to contact them 3 times And I get hanged up on once its transfer. And they pulled my bank transaction without my authorization this is a joint account and no one gave permission to do that.

Company response to consumer: Closed with explanation