BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately update those items from my credit report. It has been over 30 days so they should be promptly deleted. 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 maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that Transunion credit bureau report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be fixed immediately or I will file for litigation. My information was also impacted by the XXXXXXXX XXXX  breach and may have gotten into the hands of the wrong person. 

XXXX XXXX XXXX XXXXXXXX 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 2019-03-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX didnt inform me that they wouldnt be paying on my accounts until they got enough money to make settlements or i wouldn't have joined the program it caused my credit score to drop from the 700s to the 500s i deposited with them over {$5000.00} the only account the negotiated was XXXX XXXX from {$30000.00} to {$11000.00} and that was negated when i stop using the service .They keep all the money i payed into the account over {$5000.00} for their fees. I fought with them for months and ended up getting back around {$300.00}. If they had explained better how their company worked i would have never did their program and i would have continued to my payments on mine own. Thanks to them im out about {$10000.00} total and my credit score is now poor and in the low 500s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-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 explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX and XXXX XXXX  ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-06-02
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:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX  XXXX  and XXXX XXXX ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. XXXX, XXXX  and Transunion continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.

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 2021-04-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Years ago ( approximately 10 ), I applied for and received a credit card. The card was paid as agreed. I got married and notified the credit card company of such letting them know my name was now " XXXX ''. Unfortunately, when the card arrived, it read, " XXXX ''. I called the company and asked that it be fixed. I was told they couldn't do that and that I would have to answer several " personal '' questions before they would discuss it further. While I was willing to answer and personal question they may have, I was not ( and still would not ) answer the questions they posed : " Name one of your next door neighbor 's last name, '' " What is the first name of your neighbor living at xxx XXXX XXXX, '' etc.. 
These questions were about others and not about me and I'm not willing to disclose other people 's information. Therefore, I paid off the card and then cancelled it stating the reason why. Unfortunately, this has not been the end of the story. XXXX has continually refused to report my last name correctly on my credit report. It is listed as XXXX, which precludes me from ever getting a free credit report or speaking to anyone at XXXX because the information I insist is correct ( and is ), they say is not. I have notes dated XX/XX/18 @ XXXX XXXX that I spoke with XXXX, an Equifax rep via TrustedID at XXXX. I explained the issue and that I could not get online with Equifax due to the surname issue. She said she would correct it and change it to the corrected surname of XXXX and that she would also include a consumer statement. The Confirmation # XXXX. Needless to say, this is still not done and I can not get onto anything related to Equifax ( I no longer have access to TrustedID ). Please make them change my last name to the proper spelling and REMOVE all references to the incorrect spelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 noticed that this account XXXXXXXX XXXX XXXX, is reporting as a collections account, but reporting as open with Transunion, and XXXX, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.

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 2022-12-07
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:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A car loan application was filled out using my identity on XX/XX/2023. The application was not from me but it had my name and information, I believe someone filled it out so a credit check would made on me to mess with Mt XXXX XXXX. The application with through capital one report was made through XXXX consumer relations and XXXX risk solutions inquiry department and capital one auto financing which was made on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?

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 2021-05-05
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-01-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX  branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: CURO Intermediate Holdings
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I applied for a loan of {$300.00} online and it took me to speedy cash. I was told that the loan would be in my account in XXXX hours this was in XXXX XXXX XXXX It took them a week to get it to my account. And they were taking payments out even on days they shouldnt. I had someone call me from speedy cash and ask for a payment and I gave it to them and so they could make sure who I was they asked for my social security number and I gave it to them. Well next thing Im getting a call from my bank saying there was a transaction of XXXX on my account and even XXXX which I didnt have. I told them it was me and the payments too place in Texas I was in Utah. They got there money and then some. Now my social security number has fraudulent activity on it because of these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed letters to all XXXX credit bureaus & a direct letter to GLA Collections asking for documentation to validate this supposed medical debt. I only receive bureau mail that states it has been investigated and verified? Nothing from GLA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 applied for credit back in 2020 an instead of XXXX or XXXX hard pulls I ended up with XXXX such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I tried to redeem XXXX Barclay Rewards points for {$75.00} in cash back rewards to my credit card or bank. However, as of today, I have not received this amount. I escalated the issue a few weeks ago to " XXXX '' a customer care manager, who gave me a case number : XXXX. My rewards points docket still shows that the order is " in process '' yet it's been over 6 months now.

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