BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX and XXXX has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act XXXX has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on XXXX website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on CFPB.com several times in past and to XXXX AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.

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 2023-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply dissatisfied with your assertions and am rejecting them due to the absence of any substantial evidence to support your claims. I urge you to address these accounts as erroneous or face the potential consequences of legal action on my part. My emotions encompass frustration, distress, irritation, and outright XXXX. These sentiments have arisen from the excruciatingly slow responses and the repeated dismissal of my identity theft claim by your organization. Let me be unequivocal : this situation is a veritable nightmare. I have been grappling with unauthorized accounts and transactions, and the impact on my financial well-being and peace of mind is incalculable. The emotional turmoil I've endured has been beyond distressing. I implore you to promptly initiate a thorough investigation into these matters, expunge the fraudulent account from my credit report, and assist in restoring my financial standing. I am not seeking preferential treatment ; I am demanding what is rightfully mine as a victim of identity theft. I also want to dispute these addresses that are not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items with the bureaus on XX/XX/2022, but they did not remove them nor prove validation. 

Sec. 602 I have a right to privacy. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX  Account numbers : # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX 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 an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: KY
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires XXXX 1.XXXX XXXX XXXX Finance ) XX/XX/XXXX 2.XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX ( Finance ) XX/XX/XXXX 6.XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX EQUIFAX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED EQUIFAX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3. XXXX XXXX  XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion used Capital One monthly statement of my SECURED credit card ( secured with my OWN MONEY ) showing a due balance of {$100.00} on a credit line of {$550.00} to drop my credit score by 151 points from XXXX to XXXX!!! OUTRAGEOUS!!! 

I do not understand why and how Transunion is using this information and how can they decide that {$100.00} out of {$550.00} is a MAJOR PROBLEM!!! 

I called ns poke for over 30 minutes to an agent, nothing happen and I am really upset.

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 2019-07-11
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019, I received a letter from Account Control Technology saying they were trying to collect on a debt. I wrote and sent them a written request ( via certified mail ) to validate the debt. I have not heard back from them until this morning. A representative called me " in an attempt to collect the debt ''. I asked why they are calling me when they haven't responded to my written request for debt validation sent back in XXXX. I was not able to receive a straight response from the rep. She said she could add me to the " Do the call '' list. Not good enough, I want the matter resolved and I want to know why my request was ignored and why I am being contacted again without ACT having validated my request. I asked to speak to a manager or supervisor, he also beat around the bush and would not answer why they have ignored my request for validation. I became frustrated and decided to pursue this matter with other authorities and to file complaints against ACT. My rights under the Fair Credit Reporting Act are being violated by ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: MRS BPO, LLC
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phones starting XXXX XXXX 2017. Since that day they have called me 43 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AR
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 XXXX response was to call them and authorize them to speak to you. I filed a complaint already here and again with them today. 

They wrote a note on my account to authorize resolution.

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 2023-05-31
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: Public record information inaccurate

Complaint:
I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX advantage to XXXX. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at XXXX to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.

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 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had two capital one accounts and still do, this incident happened over two years ago, my daughter suggested I try filing a complaint through the CFPB because Capital One is not willing to properly resolve my dispute. They have taken no measures to contact me or resolve as I previously filed a dispute through creditkarma.com and still the issue has not been resolved. I never opened two capital one accounts I just opened one but for some reason I show as having two capital one cards with two separate online profiles and it is just really wacky. I it is strange because I had set up my online profile with Autopay and would have done so with both cards had that been set up correctly but because CapitalOne failed to mention that these are two separate profiles not even attempting to combine them in any way to help the consumer. As I kept going to the one online profile and making sure auto-pay was set up. There is no reason for me to be late on a credit card. I pay off my credit and the online profiles should be together, after all it is the same company. I have one credit card separately and the other with my auto-loan. Mistakenly not realizing that the one account was missing I thought that the auto-pays were being sent. Until I got a bill then I just paid by check but got a late fee. I called to make the payment but not after being penalized with a credit report ding in XX/XX/XXXX. This repeated as when I would call capital one they would confirm that I do have Autopay enrolled and that it would draft the next time. I called again in XX/XX/XXXX after while as I new I had made purchases during the holidays again, and they said that it had not drafted then I got another late fee ( which was reversed ) and a credit reporting ding. I stopped using the card because I was so confused I went online. Then again I made a purchase in XXXX and this time I called them to make sure and they confirmed again, little did I know that I actually had two capital one cards that looked the same when I thought I only had one so that is why I would see that Autopay was enrolled and then another payment incident happened where capital one switched me to online statements and this was in XXXX of XXXX. I fault myself but also feel that capital one should take ownership, I have asked them to combined my profile since these incidents but they do not do. I am not happy with the level of customer service that I received because they did not think to check my other account for auto pay feature. I think they should have done it and set it up on the phone while I was on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to follow up on the complaint I filed regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify or delete accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit 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 2023-03-16
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Per the settlement law suit against Santander Consumer USA. I fall under the criteria of having my loan forgiven, and or remove the negative information from my credit report. on XX/XX/XXXX I contacted Santander about the class action settlement and I was told I needed to call the company that Santander Consumer USA sold the loan to. This is incorrect information as it cleary states on their website that this is from a certain period in time if you got your loan between XX/XX/XXXX and XX/XX/XXXX ; and Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver. As of today 's date I have not heard or received anything in regards to that, which I fall under that category to have the charge off removed from my credit report. I have attached documents to show when I purchased the loan and when it was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: MoneyLion Inc.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a series of emails in quick succession from MoneyLion indicating my new XXXX bank account is ready, my debit card is in the mail, my phone number has been updated and my mailing address has been updated. The problem : I never opened an account with MoneyLion and the phone and address indicated in the update emails are NOT mine - I don't live in North Carolina and never have. Whether this is truly fraud or some sort of bait tactic by MoneyLion themselves is unclear. Either way - it's criminal.

I contacted MoneyLion and they agreed to close the account in question but would provide no other information or assurances. For example : " were any of my actual bank/credit accounts exposed or connected to the MoneyLion account? '' Answer : " we can't tell you that but we assure you nothing bad has happened. Have a nice day. Goodbye. '' What a crock! The fact that the account was created in the first place means something bad has happened.

To summarize : my only impression of MoneyLion is a very bad one and I suspect I'm not alone. Fishy company for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There were three fraudulent quick-pay transactions via XXXX in my Chase checking account on XX/XX/XXXX. Two {$500.00} and one {$1000.00} unauthorized payments were made. We didn't receive the email or phone verification. We notified the bank right away after we identified those three unauthorized transactions. They froze my account and asked me to go to local branch in XXXX, DE which is the only one branch in the entire state. We were told that they should transfer my money from the hacked account to new account and give back {$2000.00} temporary credit to my account. But when we visited the branch, they only opened a new account but couldn't transfer the money. They said the old account had been frozen and they couldn't do anything. We were told that we have to wait to get the cashier check. We came back and waited for five days and called back. After transferring our call among different people for multiple rounds on the phone about one hour, we were directed to the local branch again. They told us the local branch should call the back office when we were there so that they can release the money and transfer to the new account. In addition, we didn't see the committed {$2000.00} temporary credit back to our account. This account had more than {$40000.00} deposit and was frozen for more than a week. Since I lost my online account access and even couldn't enroll a new user ID before they can complete the investigation, all my direct payment bills can't be made. I couldn't pay my mortgage either. I am afraid that I will be put on the late pay/30 days past due blacklist and thereby affect my credit scores not even mention the interests lost in my account. I am with the back more than 10 years and felt very frustrated for their fraud monitoring capability, slow problem solving, and crew 's lack of knowledge to solve the issue for their customers. P.S., I am very surprised how the U.S. biggest bank can't identify such fraud activities which had been noticed in 2018 and published on XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief