BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted debt collector that this is not my debt. I do not have a XXXX account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and Credit Corp Solutions need to stop attempting to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to re-investigate these accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However XXXX they 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 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I WANT THESE ACCOUNTS TO BE REMOVED FROM 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 2023-04-27
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with a fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end customer credit plan as late in any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally lodge a complaint regarding the ongoing and unresolved inaccuracies on my credit report. Despite multiple attempts to correct the late open accounts that are erroneously being reported, these inaccuracies continue to adversely affect my creditworthiness and financial standing. 

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have diligently followed the prescribed procedures to dispute and rectify these inaccuracies, including providing supporting documentation and evidence of the inaccuracies. 

The following actions were taken in my attempt to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I provided all necessary documentation to support my claim, including proof of timely payments and communication with the creditors in question. 

After not receiving a resolution or update on my dispute, I followed up on the status of my case, during which I was informed that the investigation was still ongoing. 

Subsequently, I filed additional disputes, each time reiterating my concerns and providing any supplementary evidence requested. 

I have made numerous attempts to contact your agency 's customer service department via phone and email to inquire about the status of my dispute, without receiving a satisfactory response. 

Despite my extensive efforts to rectify this matter, the late open accounts remain on my credit report, inaccurately reflecting my credit history and negatively impacting my financial prospects. 

I understand the importance of accurate credit reporting, and I believe that your agency has a responsibility to ensure the correctness and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited reexamination of the late open accounts on my credit report.

Immediate correction of the inaccuracies by removing the late open accounts from my credit report. 

A detailed written response outlining the results of the investigation and the actions taken to rectify my credit report. 

Assurance that measures will be implemented to prevent future occurrences of such inaccuracies. 

I expect a swift and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be satisfactorily addressed, I may be compelled to pursue legal remedies to resolve this matter. I am asking for your help to correct the following accounts : 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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX  that they were contacting Transunion, XXXX, and XXXX  to let them know that ai closed my account in good standing yet Transunion and XXXX refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!

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 2023-01-15
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

XXXX accordance with the Fair Credit Reporting act 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 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 2023-09-11
Company: CL Holdings LLC
State: NC
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 received a letter from debt collector Jefferson Capital on XX/XX/23 requesting {$8200.00}. I have no knowledge of doing business with Jefferson Capital, so I mailed the CFPB debt validation letter certified on XX/XX/23. On XX/XX/23, I received a response from Jefferson Capital dated XX/XX/23. The information sent to me was unresponsive to my demands. I requested proof that I owe money to Jefferson Capital. The verification wasnt proof I owed them. In fact, Jefferson Capital isnt listed on any of the papers sent to me! The verification doesnt even address the amount Jefferson Capital is asking that I pay, proof that I am even obligated to pay the alleged debt, or evidence that Jefferson Capital owns the debt. The letter also stated Jefferson Capital was not reporting this account to any credit reporting agencies ; however, on XX/XX/23 ( the same day I received the letter ), I was notified by 3 credit reporting agencies, XXXX, XXXX, and XXXX, that this unvalidated debt was added to my credit report as a collection. I asked Jefferson Capital for straightforward items, and they refused to give them to me while continuing collection activities. I am applauded by the blatant disregard for the law. Especially 1006.38 ( d ) ( 2 ) ( I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid. Please attached is a copy of bill that copy sent that I do not owe. This should not be 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 explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank card got jammed in atm when it was trying to return card. As a result the atm would not dispense the XXXX I tried to take out. It took the funds from my account and I didn't get the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-09-07
Company: EQUIFAX, INC.
State: NY
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:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX inquiries to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I completed an identity theft report and sent it in to the credit bureaus with the information and spoke with two representatives stating it couldnt be removed. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my TransUnion credit file. 
XXXXXXXX XXXX XXXXXX/XX/2023

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 2023-09-07
Company: EQUIFAX, INC.
State: FL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe I have been discriminated against in applying for credit by one or more financial institutions. One I know of is XXXX XXXX. I have had my account five years and I have been charged excessive fees and denied credit multiple times which they claim was because of my credit history. Why did they open an account for me in the first place then. They have denied me credit and refused to look into my situation or request income information. To me that is discrimination. I should have just as much opportunity as anyone else applying for credit but typically XXXX XXXX  are always disadvantaged. They claim they dont discriminate but I believe they 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 2021-12-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The previous complaint was not a duplicate it is the ongoing underline actions that they have been lying about if anybody 's fraudulent it's USAA .THEY TOLD CFPB they CAF CLOSE MY THREE ACCOUNTS XX/XX/XXXX THEY HAVEN'T CLOSED ANYTHING IN OUTSTANDING DISPUTE SINCE XX/XX/2021 HAS NOT BEEN SOLVED FOR {$450.00} THEY CLAIM THAT ACCOUNT IS FRAUDULENT BUT THEY HAVE NEVER STATED THEY XXXX ANYBODY BUT THEIR SELF INTERNAL NOTES I FOUND OUT SOMEONE CALLED HERE SAYING THAT THESE ACCOUNTS WAS NOT AUTHORIZE WHICH WAS A BALL FACE LIE THEY NEVER COULD GET BACK IN TOUCH WITH THE PERSON WHO CLAIMED THIS NO EVIDENCE NO NOTHING AFTER ACCOUNT BEEN OPEN FOR FOR FIVE YEARS THEY DECIDED TO COME TO THAT CONCLUSION FROM A PHONE CALL REALLY KNOW THEY IS OUT OF COMPLIANCE THEY KNOW THAT THEY ACTED ON SOMETHING THAT WAS NOT REAL AND THE PERSON WHO DONE IT IS IN A FRAUDULENT PARTNER WHO KEEPS LEAVING THIS COMPLAINT AND ACCOUNT AGAIN BECAUSE SHE DON'T WANT TO GET IN TROUBLE BUT SHE GOT HER WHOLE BANK ENTITY IN TROUBLE DUE TO THE FACT THAT AFFECTED MY LIVELIHOOD WATER OUT PG NOT BUSY ENOUGH AND RESULTING INTO A TENT NOT BEING ABLE TO PAY MY BILLS I'M TOTALLY STRESSED OUT I BELIEVE THIS IS DUE TO XXXX XXXX  AND DISCRIMINATION OF XXXX AND XXXX  AND I'M XXXX BOTTOM LINE I NEED MY MONEY ASAP XXXX FAX INSTANTLY AND I WILL BE SEEKING LEGAL REPRESENTATION AT THIS I contacted the department of justice as well again this is not a duplicate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this is proof that these accounts was deleted but they put these accounts back on my consumer report .I filed my identity theft report letting the credit bureaus know I was a victim of identity.

15 u.s. code 1681c-2 : which states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft.

15 u.s. code 1681b permissible purpose : in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts immediately

Company response to consumer: Closed with non-monetary relief