BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is 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
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX You are in direct violation of the fair credit reporting act, ( Kohl 's, acct # XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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 instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MS
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 have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy.

Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX original date of service by XXXX XXXX My insurance provider at the time XXXX XXXX XXXX. Work performed " Normal XXXX '' covered 100 % by insurance.

XX/XX/XXXX was informed when wife went in for work I had a {$220.00} bill outstanding, never received any bills.

XX/XX/XXXX received collection notice for {$270.00}.

XX/XX/XXXX contacted Americollect to get original debtor information.

XX/XX/XXXX conatacted XXXX XXXX to see why outstanding balance. Was informed refused by insurance.XX/XX/XXXX contacted insurance provider. Was informed it was denied becasue they did not supply pre-treatment XXXX.XX/XX/XXXXcalled XXXX XXXX back informed them what had to be done and insurance would cover. They informed me they would resubmit.XX/XX/XXXX placed dispute with all three bureaus for this account.

XX/XX/XXXX pulled free credit report as we are looking for first home purchase.

XX/XX/XXXX Collection is still active.

XX/XX/XXXX called Americollect again, informed them it was in dispute. Refused to give me contact information for billing of original debtor, only name of business.XX/XX/XXXX conatcated XXXX XXXX a second time. Got same information as first " Denied by insurance ''. Informed them again how to get it paid.

XX/XX/XXXX Called XXXX XXXX, spoke to XXXX. He verified why it was denied and they need to resubmit, but have not done so. Had record of me contacting them first time.

XX/XX/XXXXcontacted XXXX XXXX  again told them to resubmit, verified with XXXX XXXX   and gave them date of first contact and they have done nothing. They had no record of my first contact in XX/XX/XXXX said they would resubmit. Spoke to a XXXX   who said she would resubmit. Asked to have it removed off report and collections since it is on there by their error and not mine, was denied. She said she did have the authority to do that. I asked who did and asked for supervisors name was only given first name ( XXXX ) no phone number.

XX/XX/XXXXcalled Americollect and informed them this account is in dispute she said she would make a note of it.

To date no action has been taken by collection agency or XXXX XXXX to solve the dispute filed with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: AZ
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, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company called XXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Direct Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from a company called direct recovery services and they represent XXXX. They stated that I can pay my loan off in installments. As of XX/XX/XXXX I was under the impression that my loan was paid off. Today XX/XX/XXXX I received another letter this time from XXXX XXXX XXXX stating that they represent XXXX  to collections with the same offer. I'm confused as to what is going on. 

If I owe the loan then I need to find out. If direct recovery service represents your company then the loan should have been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: 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 accounts 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 ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-12-02
Company: Experian Information Solutions Inc.
State: GA
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 second 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. Please The accounts 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 2022-12-02
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:
The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Since last XXXX I have been charged interests on my Amazon.com store card ( managed by Synchrony Bank ). On that card I have promotional balances at 0 % interest and regular purchases at 29.99 % interest. Every month I have been making extra payments to cover the regular purchases and the minimum on the promotional balance so to avoid an interest charge at 29.99 %. A few times I called to allocate the payment to the proper balance ( but not always ). 
Whenever I call and complain about interest charges the representative ( last one I spoke to was XXXX ) tells me : the system will allocate first to the promotional balance and it's up to you to call and request a different allocation. I quoted the Credit Card Fairness Act and she told me that it doesn't apply to this card because it's a store card and not a credit card. A store card is a credit card. XXXX also told me that she works for the bank therefore she knows better. 
The Credit Card Fairness Act states that : If you make more than your minimum payment due, creditors must apply the excess payment to the balance with the highest interest rate. If you make only your minimum payment, the lender can apply it to lower-rate balances. 
Obviously Synchrony bank does not see it that way, and I'm lead to believe that they are defrauding many customers with this scheme. After a long wait I managed to speak to a manager, XXXX, who XXXX much debate finally agreed to remove part of the interest : {$40.00} and some cents. 
I'm including my statements since last XXXX for your verification. Thank you

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 2023-05-17
Company: Bread Financial Holdings, Inc.
State: MI
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 have reached out to Comenity Capital Bank, XXXX, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows COMENITY CAPITAL BANK/BIG LOTS CREDIT CARD XXXX XX/XX/XXXX {$1800.00}, COMENITY CAPITAL BANK/OVER XXXX XX/XX/XXXX {$860.00}, XXXX, XXXX XXXX XX/XX/XXXX {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed an account on Transunion. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of Transunion, and XXXX. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and  Transunion told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

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 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is XXXX XXXX XXXX {$2100.00} and the other account is JPMCB CARD SERVICES {$4800.00}. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a consumer credit transaction with TD Bank XX/XX/2019. A consumer credit transaction is a transaction which a finance charge is involved. Pursuant to 15 usc 1605 A finance charge is the sum of all charges in a consumer credit transaction. Because I know a finance charge is the sum of all charges I was not expecting to put {$500.00} down to extended credit.

TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d
( 1 )

Company response to consumer: Closed with explanation