BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if 2022 prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.

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 2021-07-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
hese accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Problem is with Fidelity Credit Card, Elan Financial Services. They owe me a refund of {$6600.00} for an accidental over payment of my account. The problem has been going on since XX/XX/2019. I have received a constant runaround from XXXX. Need assistance ASAP!

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 2023-11-13
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX 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 2023-08-02
Company: EQUIFAX, INC.
State: NY
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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: Their investigation did not fix an error on your report

Complaint:
You have continued to report XXXX XXXX  as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.

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 2020-02-10
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2015 XXXX XXXX entered me into the EWS with accusations that I abused my bank accounted stating that the combined loss and fee reversal ended in a total of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted my mortgage holder XXXX XXXX at XXXX in an effort to have them give me access to my mortgage information via the internet. 

I have contacted them no less than 6 times for this matter. Each time I am told they will turn it over to their IT department and someone will fix the issue.

I have two pending case numbers with them XXXX XXXXXXXX and XXXX XXXXXXXX. My most recent conversation was on XX/XX/2021 with customer service. I was told again this matter would be sent over to their IT department and it would be handled. 

This is a real issue. I am not able to check on my balance. I am not able to pay an additional amount towards my principal or my escrow. 

The website has no guts to it. It is a blank white page. I have included a snap shot.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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:
I have made multiple disputed with Equifax. 

They are violating my consumer rights tremendously. 

Per Consumer law 15 U.S. Code 1681c2 States that you are required to 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 days of receipt without prejudice. 

I have sent multiple disputes via mail and through CFPB. The company replied back that they sent the notification via mail and they did. 

However, they sent me back a generic verified result when I asked for verification and validation that I owe the debt. 

Equifax has failed for the 4th time to send me proof that i owe this debt or an application bearing my signature. To this date neither has been provided. 

Equifax has up right refused to block this fraud after I have provided police reports and a FTC report. Equifax is the only CRA that refuses to abide by consumer law. 

Equifax dispute results confirmation numbersXXXX & XXXX ( results are attached ) This company is neglecting the rights of consumers and causing people to endure hardship due to their negligence. 

All items attached were sent to Equifax via mail and received XX/XX/22 per XXXX tracking. 

This is my second FTC report being sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: VA
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:
Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from Equifax, XXXX, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-06-01
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Re : XXXX XXXX Account XXXX XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g , to inform you that I dispute the alleged debt associated with account number XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

Sincerely, XXXX XXXX Cc. XXXX, XXXX, XXXX and CFB

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 2020-05-20
Company: Blackhawk Network Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I own a VISA gift card purchased at giftcards.com. A fraudster stole my account # and used it to charge {$350.00} worth of XXXX gift cards for himself at XXXX. I wrote and called both giftcards.com and XXXX trying to resolve this and neither will refund my money. XXXX simply does not respond at all to anything since corona, and giftcards will not allow me to file a dispute because it took me 75 days to notice the fraud and they have a strict 60 day policy, despite the fact that giftcards generate no monthly statements so i could not have been aware of the fraud until i next tried to use the card, which took 75 days to happen. i have copies of the letters i sent to both XXXX and giftcards, as well as the email reply from giftcards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: PA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 and 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 non-monetary relief
Consumer complaint received 2021-07-30
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:
To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXXif not valid or verified properly, delete immediately. 
XXXX- XXXXUnverified Account- delete immediately. 
XXXX XXXX XXXX XXXX-if not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981

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 2023-08-25
Company: EQUIFAX, INC.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX XXXX, and my account number is XXXX. I have been a satisfied and loyal customer of capital one for six years. Additionally, this account was my very first account I opened after graduating college. 

Your outstanding customer service provided is the reason I have remained a loyal customer. I considered it a priority to make all my payments on time for thirty-thre months. Unfortunately, I fell short of my standards when it came time for me to update my checking information for my automatic payments. 

During the time I opened my first credit card account establishing credit my account was suspended because I was in a car accident, and I was hospitalized for a month, while been hospitalized I had to replace my debit card because all my items were lost from the car accident. While being hospitalized I was not able to update my payment information and my account had fell past due for missed payment. 

I realized it was still my responsibility to make my payments and update my information. Since then, I have recovered and made the payment following the account suspension. 

As a longtime customer and currently in good standing, I respectfully request that you apply a goodwill adjustment on the late payments from my file with all three credit reporting agencies, as im seeking to pay the account off in full XX/XX/2023. 

Thank you very much for your consideration. I look forward to continuing being a satisfied customer of capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: World Acceptance Corporation
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of the west told me over the phone my check would be available the next day and I would have {$100.00} available to spend and not only did they place my check on hold but you proceeded to overdraft money from the available balance they gave me. Completely unacceptable, its a ridiculous mistake on their end. Theres no way over the phone Im told I will receive it the next day then I go into the bank Im told 11 days. That is just unacceptable. I demand some form of answers and I dont want to hear theres nothing that can be done, Im not going to be feed every day until the XXXX and thats simply what it is. They shouldve instantly placed the check on hold if thats the case not over night past midnight after I used some of the available balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10
Company: Kashia Services
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My employer received a fax from XXXX XXXX  that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company Solid Oak Finance which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by Solid Oaks about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/

Company response to consumer: Closed with explanation