BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE 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:
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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: CL Holdings LLC
State: VA
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:
XXXX XXXX XXXX- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX  XXXX account shows on Equifax 90 % utilization. XXXX  XXXX account paid down to 10 % utilization on XX/XX/2020, and the billing cycle closed on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
1 ).

Bank of America : My now Closed checking and savings accounts due to fraudulent activity, which was reported by me after a few incidents, one with my debit card ( and wallet with my pin written on a note inside it, during memorial day weekend ) was stolen and then used at a different banks ATM in XXXX XXXX to withdrawal {$600.00} or more. 

After giving me provisional credit at first, it was then taken back and said they not only were they closing the accounts but that I also now owed them back the money too. Which by then I had spent it all and more 2 ). Another incident occurred when my truck was robbed and looted last XXXX, and not only was my wallet and brief case etc taken but all of the packages I got from the monterey post office that day as well ( which was a lot since I hadnt picked up the mail in several weeks after being on a extended trip seeing relatives. There was so much to pick up in fact the postal employees instructed me To actually park in their trucks loading/unloading bay for the packages to pick up the massive amount of boxes that had accumulated there ). 

Before the robbery however, i went through and noticed a few boxes mixed in didnt belong to me, and was going to return them back to the XXXX the next day. 

But turns out the thieves used my debit Card/bank statements with all my account info and other documents to break into my accounts and start depositing random peoples business checks they had gotten from the wrong XXXX mail/boxes that were accidentally put in with all of mine. I only found out later when Bank of America sent me mail that had the returned check copies in it. And then it was being investigated by local police too apparently. 

These incidents were told to the bank but they still say I owe them money and still closes my accounts. Plus the said I cant open a new account with them or elsewhere for 5 years because of all this thievery Ive had occur!

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 2020-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried and contacted equifax on many occasion and have not yet received a copy of my credit report and still after 2 yrs cant get my free online credit report thru the XXXX XXXX XXXX  site

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022 from XXXX XXXX XXXX account number XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made 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 2022-12-22
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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

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 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One pre-approved my application for a XXXX card that gives a bonus points of XXXX points after spending {$4000.00} in 90 days. After completing the requirement, they put the XXXX points in my account. Two weeks after, they closed the account on XX/XX/2023. I intended to transfer the points to one of their airline partners ( XXXX XXXX ) but was not able to. Apparently, there was an activity in the past that they did not approve. But with due diligence, they should not approve applicants who they believe dont. conform with their policies. I believe the points I earned belong to me and if they dont. want us to do business in the future, thats their prerogative. 
They should restore my points and then they could do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-12
Company: I.C. System, Inc.
State: FL
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:
I was alerted to the change in my credit report. I have not recieved a phone call, written notification of this debt, or any emails on this debt. 

the only debt I have that this could be, I had attempted to rectify with the company as they could not offer proper cell phone service, they could no longer provide service after 22 years. I called the company numerous times to fix this and they could not rectify it. i could no longer make phone calls, or access the internet. I had to go to a new provider.

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 2020-06-15
Company: DISCOVER BANK
State: CA
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 open an account with Discover Bank. During 911 I became unemployed and went into an agreement under the Obama debt forgiveness with Discover. I paid all payments on time. Discover is reporting as a negative on my credit because it was less than balance. However, I received a 1099 and had to report as income on my taxes. Therefore this account is paid in full.Discover needs to delete. At no point was their a disclosure that if I paid an agreed amount that there would be a negative reporting. Discover later also had a class action suit where I received a check for overcharges.They are in violation of false reporting. I have emailed them on numerous occasions and s. Discover needs to remove the derogatory information and reage my account to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-06-15
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Ally Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as it relates to my car loan account not being reported to the credit bureaus. It has not been properly reported since XXXX XXXX. I have made signifigantly large payments on my loan which have not been reported. 



I would like to ensure that my car loan is reported with me owing the amount I currently owe which is 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 2023-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Portfolio Recovery Associates Inc, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX  to pay off the balance however, on XXXX the check was endorsed and deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with XXXX XXXX XXXX XXXX XXXX Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). XXXX XXXX ( Corporate Consumer Relations Senior XXXX at XXXXXXXX XXXX XXXX suggested, I contact Portfolio Recovery Associates ( PRA ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for PRA are XXXX and XXXX ) for further investigation. XXXX XXXX XXXX suggested Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted Portfolio Recovery Associates via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. According to the response from a Portfolio Recovery Associates Inc representative in regards to Complaint # XXXX, PRA investigated my complaint, and found XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine, and PRA has requested that the funds be refunded to me and no further steps or follow-up actions are required. 
I did receive Check # XXXX for the amount of {$880.00} via USPS, however I did not receive any documentation confirming XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine. The documentation is needed to dispute the interest charges that occurred due to this error. To remove the interest charges from my XXXX XXXX XXXX Bank account, please provide me with documentation confirming XXXX Bank sent the funds to PRA with instructions to credit those funds to an account that was not mine. 

Thank you for your time and assistance with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 explanation
Consumer complaint received 2023-08-11
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SEQUIUM ASSET SOLUTION Attempting to collect amount not owed Placed this credit collection on my credit record without any bill, notice, or past business. No documentation or notice was every given or signed/approved prior to their collection attempt. 
NOTED that the company has been reaching out to a large amount of people attempting the same scam to try and get people to pay amounts they don't owe. 
I have called the company but they do no answer and do not return calls. 
I have filed a complaint with XXXX as well to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the IRS. A canceled debt ( charge off ) is *considered as gross or ordinary income ... a 1099 was issued for this account. * *Income does not get reported to your consumer report. * Making this a violation that the creditor ( XXXX XXXX XXXX  ) acount # XXXX. 
address XXXX XXXX XXXX, XXXX NC XXXX. Since XXXX of this account creditor & all consumer reporting agencies has *violated my rights* reporting this inaccurately account information for more than *3 years* this is unfair to me the consumer.

And according to 15 USC 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates .... in my case none of the consumer reporting agencies didn't do so.

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 2022-03-11
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am submitting a complaint after several rounds of dispute letters. Clay cooley is still being reported in my credit profile when the loan account was transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this Clay Cooley account still reporting as opened when it was sold and transferred. I have attached proof for both accounts. The account status is incorrect, please remove this from my credit profile. This has already been claimed on my taxes as well

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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