BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023 an " Investigative Consumer Report '' was procure or cause to be prepared, between Equifax and XXXX XXXX, to open the account ending in XXXX that is currently being reported. 
Pursuant to : 15 USC 1681d ( a ), ( 1 ), a person may not procure or cause to be prepared an Investigative Consumer Report, without providing disclosure to the consumer by writing mailing within the 3 days after the date on which the report was first requested. 

And Pursuant to : 15 USC 1681d ( a ), ( 2 ), the person procure or cause to be prepared a " Investigative Consumer Report '' must certifies or has certified, to the consumer reporting agency. That person has made disclosures to the consumer or will comply with subsection ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion consistently appears to be reporting inaccurate, unverified, and incomplete information about me. There are several items on my credit report for which are not true. 

Per new Law Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 - per section 401 - details regarding any adverse credit details contained within my personal credit file should be deleted should they not carry any contract to validate. 

I'd appreciate TransUnion to have all adverse information ( inquiries/accounts ) deleted as no information was obtained via contract either written or verbal. The law is very clear as to the civil liability that TransUnion will be responsible for, should they not comply with this law. 

My attorney felt that I should file complaint with CFPB 1st  prior to taking matter before judge in civil suit.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$6000.00}

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 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
2nd complaint - Same issue as shown below. 
NOTE : The resolution is NOT acceptable and opens me up to Identity Fraud. The company is not looking for any work around and I will not give them a copy of my social security card. They have everything to determine there is no fraudulent activity on my account. Bank account info, Driver 's license, secure questions, etc... 

Original complaint : " On XX/XX/2022, I was making a purchase at XXXX XXXX in the amount of {$1500.00} and received an email asking us to recognize and confirm the purchase. That was done, but still they didn't approve it and said needed to call for verification. I did that, answered a myriad of questions and then they asked me to send them a copy of my drivers license for further verification, which I did. That still wasn't good enough, so they told me they were freezing my account and the only way to remove the restriction was to physically mail a copy of my drivers license AND my Social Security card. I told them I would NOT send a copy of the card, as that is only setting me up for identity fraud ... it would be pretty easy for someone to steal my identity having a copy of my actual card. That account has a reward balance of {$370.00} and since I could no longer use the card, I wanted to redeem the rewards I had earned. Due to the account restricted, I could not do it online like I normally do. So, I called them and asked them to send me my rewards. They said they would not, since the account is restricted and they need me to mail a copy of my social security card to remove the restriction. Once again, I explained why I would not do that. They already have my SS information, bank information, drivers license, etc... I have made multiple calls and spoke to various managers and supervisors and no one will help me. They could not show me anywhere in my agreement with them that rewards would be held on restricted accounts or held XXXX unless I provide them my Social Security card. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion and XXXX have failed to remove a fradulent account from my report after multiple complaints. The company that the account is from is suspicious as XXXX and wont answer my calls. The account is now " charged off '' but it hasnt been removed. Transunion and XXXX should protect the consumer instead they continue to make me deal with a XXXX company and refuse to remove it because the company claims its correct when its not. XXXX removed the account the first dispute. This is extremely anti-consumer from Transunion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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:
I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the XXXX bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX 2 ) How did they get my XXXX 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face. 
5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves

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 2022-10-13
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several notices from University XXXX XXXX XXXX and several of its debt collectors. I do not owe the money, and I have requested written confirmation, which has NEVER been provided to me. I disputed this debt within a week of being contacted ( 3 years ago ). When I ask for proof, they never sent it, and just keep sending letters indicating I owe the debt. 

I have never attended XXXX, nor did I enter into any agreement where I would owe money. I literally have no idea why they think I owe the money. The reason they have given me for not providing written proof is that they updated their system, and can no longer access it. 

I also received a call from a debt collector approx a month ago. On that call, I asked for proof of the debt. The debt collector said he would, but nothing has ever been sent. 

I have asked them to stop contacting me, and they refuse. I most recently received a letter from Williams & Fudge indicating I owe them {$250.00}. How do I get them to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
On XX/XX/2023, I was the victime of a XXXX scam and lost {$1500.00}. This person used a stolen/hacked XXXX account to advertise XXXX XXXX concert tickets for sale for the XX/XX/2023 event in XXXX, Ohio. The " seller '' was posing as XXXX XXXX XXXX. I later contacted another person with the same name on XXXX and she confirmed that her account had been hacked two years ago. 
I contacted the " seller '' via XXXXXXXX XXXX in order to purchase XXXX tickets. They asked for payment upfront via XXXX in exchange for all of the tickets being transferred to me via XXXX. I sent two payments directly from my checking account via XXXX - one for {$1000.00} and a second for {$500.00} - vas instructed. The payments were received. After confirmation that payment was received, this person disappeared from my messages, leaving me unable to contact them or view their " profile '' on XXXX. I never received the concert tickets. 
The first transaction was to XXXX XXXX or XXXX XXXX in the amount of {$1000.00} via XXXX and sent to email address : XXXX The second transaction was to XXXX XXXX in the amount of {$500.00} via XXXX and sent to email address : XXXX I contacted my bank, Huntington, about recovering the funds but they would not do anything to help me. I have also filed a police report but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, XXXX, and Equifax. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
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:
On XX/XX/XXXX I requested my 3 credit reports from XXXX and upon reviewing each report I noticed some issues and discrepancies on my Equifax report. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my credit report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax a formal dispute ( attached ) via certified mail with a receipt of return and they received this dispute on XX/XX/XXXX. According to The FCRA they have 30 days to respond to my dispute however I have not received any response from them as of XX/XX/XXXX. I am demanding Equifax removed these disputed transactions immediately. 

Accounts disputed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, simply put we submitted thru our current home loan provider ( Citizens One Home Loans ) for a refinance. Submission and pre-approval was on XX/XX/2020. Submitted all requested documentation three times over the past six months. Loan officers have changed twice, no notice received from Citizens. Current loan officer and processor have never ever, not once reached out to us to keep us in the loop. We have always had to either email/call to get updates on the refinance. They have made excuses every time we have contacted them why the loan is taking so long, asking for more documentation ( which we previously submitted ). Due to this extremely well over due process we have lost out on many areas why were refinancing, case in point lumber cost has tripled etc, contractor fees have doubled. To date we have not heard a peep in the past two and half weeks on what and when we can finish the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: GLOBAL SOLUTION BIZ LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been harassed by this company Global solutions biz LLC. I've sent a cease and desist letter, they have ignored it. I have requested debt validation and company verification information and they haven't sent any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Yesterday, XX/XX/2023, COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempted to collect a debt on me that they likely know is not valid. Despite me clearly explaining why the debt is not valid, their representative threaten to send this bad to credit reporting agencies to hurt my credit score. 

I have previously submitted a CFPB complaint against the original creditor regarding this matter, Complaint Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Sir/Madam, I am writing to request the removal of the following account from my credit report : XXXX XXXX XXXX Account Number : XXXX ]. I believe that this account is inaccurate and should no longer be reported on my credit report. 

The account in question is old and no longer reflects my current financial status. Therefore, I kindly request that you remove this account from my credit report as soon as possible. 

I have reviewed my credit report and found that this account is negatively impacting my credit score. However, this account is no longer valid, and I believe that it should not be reported on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I request that you investigate and remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

Sincerely, 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX, # XXXX, has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX 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 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 2023-02-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent letters to all XXXX  credit bureaus ( Experian, XXXX, and XXXX ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.

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