BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
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: Their investigation did not fix an error on your report

Complaint:
ACCOUNT : XXXX XXXX XXXXXXXX ACCOUNT REPORTING XXXX AND TRANSUNION XXXX disputed a collection with TRANSUNION AND XXXX several times because it has FCRA violations reporting. The violations that this bureaus are making is to report this account differently on each credit bureau. If the account is the same reporting why day of las activity, date opened are different? also another violation of the FCRA is that the account is a collection account and it's still reporting as OPEN in Transunion ACCOUNT : XXXX XXXX TRANSUNION : XXXX XXXX XXXX I have disputed this account several times with the bureau and as well with the creditor. There is a lot of violations within this account. First the account number of the account reports different on Transunion and XXXX. last day of activity, amount owed, account status, creditor remark are all different reporting. Transunion states that " this account meets the FCRA requirements '' when there is clearly discrepancies on what they report. This account is a collection account and Transunion reports the account as " OPEN ''. 
I also asked for a validation letter on this account from XXXX XXXX the amount they state that is owed is {$2300.00} ( please see attached ) and the amounts reporting on the bureaus are TRANSUNION {$2200.00} and XXXX {$2300.00} ACCOUNT : XXXX XXXX XXXX  TRANSUNION XXXX On the remarks from this account states " Account information disputed by consumer, meets FCRA requirements '' when clearly this account violates the FCRA XXXX A collection shouldn't report as a " Open '' also I have try several times requesting a validation on this account and I have never received an answer. If they can validated this account the account needs to be removed Also find attached certifications from the letters sent to the bureaus

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is a mortgage from XXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to 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 non-monetary relief
Consumer complaint received 2022-03-04
Company: I.C. System, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit report it says my current address is an address Ive never moved too at all, but my old address is where I am currently, Ive never had a place in my name since 2016 but on my credit report it has me at this address that I never moved into or even authorized and this is fraud someone is using my information to move to places without my consent and want them to be sued for this asap.

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 2018-07-29
Company: WELLS FARGO & COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a business checking account under and was supposed to receive a {$300.00} bonus after completing the following : Deposit {$1000.00} or more into the new business checking account by Day 10, and Have a {$1000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credits and debits ) Checks Paid Mobile Deposits Wires ( credits and debits ) WF Bill Pay or Direct Pay I met the requirements within the specified time period. Bonus did not post. Issue was researched by Wells Fargo, got letter saying that I didn't complete the offer requirements within the number of days specified ( false, requirements were completed in specified number of days ) and minimum direct deposit enrollment wasn't completed ( there was no direct deposit requirement, only a deposit requirement which i did complete ). I believe I met all the requirements of the offer and was incorrectly denied the account bonus.

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 2023-07-25
Company: EQUIFAX, INC.
State: SC
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:
Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report. I received a response stating that the accounts were verified. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. It is obvious that XXXX has violated my consumer rights and not followed METRO 2 compliance and in violation of 15 USC 1681e ( b ).

I am requesting you provide ME ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Disputed items : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Per FCRA you are required to provide this information within 15 days or DELETE AND BLOCK the negative items above from my credit report. Also, a copy of this letter has been sent to the CFPB as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Investigation took more than 30 days

Complaint:
I XXXX XXXX have been trying to correct many errors as well as duplicate accounts on my report and it has been over 30 days with no response and also with no corrections so by federal law if they are unable to verify the information in 30 days or less then they must delete it. Also per federal law 15 usc 1681i ( a ) ( XXXX ) ( a ) they must delete the information being disputed while the investigation was ongoing and they failed to do so. As a federally protected consumer please help me in enforcing my rights to proper fair and accurate credit reporting. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX my daughter in law gained access to me and my husbands account. We never received a phone call from the bank about this access. Since XX/XX/XXXX my daughter in law has been using a invalid power of attorney for my husband who has XXXX by the way. I am his wife and I have durable power of attorney for all of my husbands needs. This was a invasion of our privacy and was a unacceptable deed done by Bank of America. We attempted to get a copy of this invalid POA and was told to get in contact with their legal department. Which was the wrong information. Of course we closed that acct and reopened another and she has gained access again and pulled out funds this time that hasnt been returned yet. How is this possible?

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 2020-05-08
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a unsecured loan with XXXX XXXX XXXX XXXX. It was charged off and sold to Jefferson capital systems llc. We worked out an agreed upon settlement to pay off the debt. I reached out to XXXX to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to Jefferson capital. Jefferson capital said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
I did not authorize the opening of those accounts

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 2023-06-05
Company: Experian Information Solutions Inc.
State: OH
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 am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality : XXXX XXXX XXXX  XXXX. 
ACCOUNT # - XXXX XXXX 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 explanation
Consumer complaint received 2021-12-15
Company: IQOR US INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Fraud debt collector. Repeated daily phone calls blocked by XXXX. The phone number from this fraud is XXXX. I do Not owe any debts, & this phone # has been reported as fraud. I want these people caught!!

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 2023-06-03
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan of XX/XX/23 after receiving an emailing stating I was prequalified. I applied and was approved for an installment loan of {$4300.00} and a LOC over XXXX. I decided the installment loan and went forward with signing of a contract. I was given a loan no and an acct # Loan No. : XXXX Account ID : XXXX. This company then did a hard pull on my credit file with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAVE RECEIVED STATEMENTS FOR TWO YEARS UNTILL XX/XX/2023 WHICH I HAD TO LOOK UP ON LINE BECAUSE I HAD NOT RECEIVED A STATEMENT BY XX/XX/2023 AND I CALLED CREDIT CARD COMPANY ON XX/XX/2023 AND TOLD THEM SAME INFO AND I PAID BILL IN FULL, AND AGAIN ASKED THEM TO SEND ME A STATEMENT TO ADDRESS ON FILE AND AGAIN THEY SAID THEY WOULD AND MY ADDRESS WAS AGAIN VARIFIED BY THEM. I ASK FOR PREVIOUS COPIES OF STATEMENTS AND 5 DAYS LATER RECEIVED IN MAIL TO MY ADDRESS. 
AGAIN IN XX/XX/2023 I HAD NOT RECEIVED A STATEMENT AND CALLED AGAIN AND PAID OFF ACCOUNT BALANCE AND CLOSED ACCOUNT AS I AM XXXX XXXX  OF AGE AND PAY MY BILLS BY STATEMENT AND NOT TO FAMILIAR WITH THE COMPUTERS. THERE IS A BALANCE XXXX INTEREST WHICH I WILL NOT PAY. 
CAPITAL ONE SAID THEY MAILED MY STATEMENT 4 TIMES AND SHOW DELIVERED AT XXXX XXXX  OR CLOSE EACH TIME. MY MAIL IS PUT IN A COMMUNITY MAIL BOX AT XXXX OR LATER EACH DAY BY POSTMAN. I CAN SEE MAYBE A POSTMAN MAKING 1 OR 2 MISTAKES BUT 4 ( FOUR ) IS BULL. I THINK THIS IS A SCAM BY CAPITAL ONE TO GET INTEREST FROM PEOPLE THAT PAY ON TIME AND DONT PAY THEM INTEREST. I HAVE A CREDIT SCORE BETWEEN XXXX AND ALWAYS FOR XXXX  YEARS PAID ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Flagstar Bank, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an account with Flagstar bank which was opened with the sole purpose of paying a second mortgage. There are no Flagstar banks in Illinois where I live but I had direct deposits go into that particular account. I suffered a job loss and longer had direct deposits going into that account. The automatic direct debit made my account go negative until it was turned off. My account was negative {$440.00} plus {$36.00} overdraft fees. I called Flagstar and they were kind enough to reverse the fees and stopped the overdraft until I start making payments again. 

In XXXX when I got a tax refund, I trued to deposit a check through the mobile baning app. They rejected the check because they said I had altered one of the XXXX 's in 2020 ( Unblievable ). Since i did not live close to a branch, there was no way I could go and make a deposit, so I decided to send a XXXX. 

The XXXX did not go through. I spent over an hour trying to explain my situation first to the customer service rep and then later to her supervisor. They told me the account email address was valid but online it kept telling me it was registered with a different bank. I tried and tried and eventually had to give up. 

Today, XX/XX/2020, I logged to the bank to see if the direct deposit for a new job I found in XXXX went through and to see if it zeroed out the negative balance as I have had direct deposits going through since XX/XX/XXXX every Friday. I was informed by XXXX in Corporate in XXXX, MI that my account has been charged off and will be showing up on my credit. Unbelievable. This is after I had called repeatedly, sent in a check and XXXX a few times. His solution was for me to call collections and dispute the item on my credit report. Reference # 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-03-04
Company: EQUIFAX, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation