BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My right have been violated according to 15 U.S.C 1618 section 602A states I have the right to Privacy.

15 U.S.C 1681 section 606A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
These two accounts have been reflected badly on my credit report for over seven years. 

XXXX. XXXX XXXX  Date : XX/XX/2015, Account # XXXX XXXX. DPT EDXXXX Date : XX/XX/2015, Account # 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
It has came to my attention that some unauthorized inquires were placed on my credit report, I have take proper steps towards this and I am reporting directly now because In accordance with the FCRA section 611, it is a total violation of my consumer right.kindly remove the following inquiries. 

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 2021-08-25
Company: Penn Credit Corporation
State: FL
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: OR
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: NV
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:
I have contacted Equifax several times regarding an unknown account listed which doesn't even state a name of a company, no response Unknown collection XXXX {$18.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the letter sent by PORTFOLIO RECOVERY ASSOCIATES , LLC saying they were attempting to collect on a debt from XXXX Bank. However, I asked asked both companies via written correspondence ( XXXX XX/XX/XXXX & XX/XX/XXXX ) to provide proof ( validation and verification ) that I owe this dept. All I received was a screen shot of a bill with my name on it. I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and received no resolution. Only received a screen shot of a bill with my name on it. XXXX Bank didn't respond at all. Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX and was told debt was valid with no explanation of how it was validated, and I specifically asked for this to be explained. I don't trust any of these methods of validation when I have documented proof of the same thing happening with 2 separate companies and I was told the debt was valid by the reporting agencies and the supposed debt collector couldn't & removed it. This is defamation of character and having a negative impact on my credit and my financial reputation. 
I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and XXXX Bank, receiving no resolution. Only received a screen shot of a bill with my name on it from PORTFOLIO RECOVERY ASSOCIATES , LLC. I Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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 the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

1. DPT EDXXXX / Account # : XXXX has violated my rights. 

2. DPT EDXXXX / Account # : XXXX has violated my rights. 

3. DPT EDXXXX / Account # : XXXX has violated my rights. 

4. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

5. DPT EDXXXX / Account # : XXXX has violated my rights. 

6. XXXX / Account # : XXXX Wrong Name And Addresses. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 2022-12-04
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX company changed companies and did not obtain trust deed copies from the original company. they are telling me i have to supply them with the complete trust deed copy ( at my cost and expense ). I sent the most important papers from the deed trust. this was done at the time of the original reverse mortgage thru a lawyer. I have the only copy. they are not willing to pay for another copy, and i can not afford to have the XXXX page trust copied. they sent a letter to me : Please be advised that until this trust is approved the loan could be call due and payable. it is there responsibility to obtain the trust that was fully approved in the original mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 Experian 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 ( 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. Please remove the late dates from this account : 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 2023-05-08
Company: Bread Financial Holdings, Inc.
State: TX
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 initially submitted a complaint against this Wafair, Comenity Bank, CFPB # XXXX, I was not satisfied with the results and their service, so I paid off the account as soon I could. XX/XX/XXXX, closing statement date showed a new balance of {$570.00} with a minimum balance of {$30.00}, stating, " Mailed payments must reach us by XXXX XXXX  ET. '' On XX/XX/XXXX, Wayfair Comenity Bank received my payment of {$570.00}, continued to charge me a finance charge of {$7.00}, and continued to charge another for the next two months. 

Each time I received a statement, I made several attempts to resolve this and was passed on from their new financial institution XXXX, back to Comeneity, who claimed they could not credit my account since it was closed! Please bot the referenced complaint above Comenity chose to close my account when it was in good standing! Each month I fought to have them remove the fees and was told it would be resolved, and when I asked for documentation, I received none. 

In XX/XX/XXXX, and XX/XX/XXXX, I applied for a HELOC loan with XXXX XXXX  and was declined both times due to these recent past-due delinquencies. I received a vague letter from Comenity apologizing and claiming to fix the error, but no mention of what error. Comenity Bank insulted me by sending check # XXXX dated XXXX for over {$2.00} to credit me for the interest I overpaid. 

I have also attempted to dispute this thru XXXX, but they do not contact the creditor, only suggesting that I write a statement explaining my side, which is XXXX 

Someone needs to hold both companies accountable! I've given XXXX more than enough information to overturn this decision, and they updated the inaccurate delinquency from 2 30 days late to 60!!! 

My creditworthiness is ruined! I have NO delinquencies or past due accounts on my credit except for this inaccurate reporting!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & XXXX per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 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 2022-05-26
Company: EQUIFAX, 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 have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: OH
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:
After filing a dispute with XXXX, creditor JPMCB Chase Bank credit card acknowledged error with date of my last payment which occurred in XXXX, XXXX and not XXXX, XXXX which is when account was closed and charged-off. On XX/XX/XXXX, JPMCB removed this account tradeline from my XXXX credit report because last payment was 7 years ago. But, JPMCB has not done same with XXXX and XXXX despite how I filed separate disputes with all 3 credit reporting agencies. This violates the Fair Credit Reporting Act, Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( Ohio Rev. Code Sec. 1345 ) which authorizes treble damages awards. If this account is not deleted from all 3 major credit reporting agencies immediately, I will file a Complaint with the Ohio Attorney General 's Office Consumer Affairs Division and retain counsel to file suit for violations of the consumer protection statutes discussed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: AL
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. 

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 has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-09-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I send a international wire transfer to XXXX XXXX  XXXX, XXXX XXXX for {$1600.00} through my checking account with Wells Fargo, For a deposit of a rental on a room in XXXX XXXX XXXX Florida. After no contact with the supposed owner, I opened a fraud with calm on XX/XX/XXXX 17 days after the the wire transfer was sent. I called Wells Fargo again on XX/XX/2021 to check statue on my clam, I was told the clam investigation was still in progress. I called again on XX/XX/2021, got the same answer. I told the Wells Fargo rep to please have someone working on the investigation to contact me, I heard nothing. I received a letter from Wells Faro dated XX/XX/2021 stating they had completed there research, and that too much time had passed before I had contacted Wells Fargo about this fraud. 17 days from the day to the transaction to the claim filed on XX/XX/2021. 
I contacted Well Fargo on XX/XX/2021 at the number I was instructed to call if I had a problem with these findings. I got the usual runaround, transferred numerous times to my call being cut off by an automated system. Wells Fargo did NOTHING to help recover these funds that were transferred through their bank! I believe Wells Fargo believe If they give me the runaround, never answer my calls, numerous inquiries, I will just accept there excuse that I waited to long to report! That is not the case which is absolutely not TRUE! Wells Fargo did nothing to help me or solve this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation