BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: Mel S. Harris and Associates, LLC
State: NY
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:
Unaware that there may have been any debt obligation until garnishment notification was sent to employer. 
All correspondence regarding requests for documentation are being attached for review

Company response to consumer: Untimely response
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future

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 2023-01-06
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, 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:
XXXX XXXX MULTI PRODUCT XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX. 
XXXX XXXX 2022 XXXX XXXX. 
XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX 2022 XXXX XXXX XXXX 2022 XXXX XXXX XXXX XX/XX/ 2022 2022

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal notice that transunion has failed to respond in a timely manner to my dispute letter of XX/XX/25, deposited by registered mail with the U.S. Postal Service on that date. I sent proof of my address verifying it was indeed me. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I also filed a complaint that was incomplete because I asked for the XXXX account be removed and they responded they where deleting something else that was not on my credit. 
A complete investigation was never complete Complaint : Filed with CFPB XXXX which is closed and wasnt resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Westlake Services, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the beginning of XXXX I ordered my credit report and noticed that Westlake Financial services was on there. I disputed this account multiple times for verification and came back each time FCRA verified. After reaching out to customer service they wouldn't give me any info on this account stating that it was sold in XX/XX/2019. Westlake failed to notate that on my credit report therefore they violated my consumer rights to have an accurate and clear credit report. Even going as far as their customer service rep and supervisor telling me because it was sold I couldn't get information on the account that's still reporting under Westlake Financial Services on my credit report. This is illegal and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I received an updated XXXX credit report today and still the accounts that I am disputing are still reporting. I tried to call XXXX XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. XXXX should have received the same response and delete but they did not do it. 2 ). XXXX XXXX  XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX report. XXXX  ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX  XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and XXXX I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.

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 2023-03-02
Company: EQUIFAX, INC.
State: NY
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For years, Capital One has been sending me a remittance coupon statement, as the payment for which is owed. I have recently found out that these detachable coupons sent to me as a bill, are a way of payment. I've been paying them via online because they want you to feel like it's quicker, but it's actually to distract us and not notice that these are actually checks/money orders. I mailed out my remittance coupon certified, which they received with a notarized letter attached with a list of Consumer Law codes that states a coupon is worth whatever the face value it has printed on it. Banks are redeeming the coupon with the government and receiving another payment from my trust. They are double dipping and getting paid twice. And instead, they send me a letter asking me to re-iterate what I sent them in my letter addressed to the CEO as if they didn't understand or just prolonging the process, and want me to respond to customer service. I find this as brushing it off so that I can keep getting run arounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies ( XXXX, XXXX  and Equifax XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX unauthorized credit inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Consumer Relations Department Consumer Disputes XXXX  XXXX XXXX XXXX XXXX, CA 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-04-21
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-04-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My password did not work when I tried to access my checking account online. When I called the bank they gave me a run around and told me I need to visit the bank " in person '' and unless I did that they were not going to unlock my account. When I explained to them that this was not possible due to recent XXXX  XXXX they told me, in essence that wasn't their problem. Last XXXX when I was in the hospital getting XXXX XXXX XXXX XXXX ( I am XXXX ) they did the same thing and would not help me ( even though I was calling from the hospital ) until I filed a regulatory complaint. The resolution at that time was that they put me in touch with a bank employee who solved my problem ( XXXX XXXX - Customer Response Analyst ). At that time he wrote " If you have any additional concerns, please contact me directly at XXXX ''. When I called him this time ( before filing this complaint ) he never called me back. I know he still works there because his voice and name are still on his outgoing message. As an FYI I have had the same account for at least 30 years, it has about {$50000.00} in it and when I called them I answered all their verification questions correctly ( even though they deny this ). I gave them my name, my ss #, the account number, the last transaction, when and where the account was opened, my direct deposit that comes in every two weeks. Also. this time when I called the bank I was calling from the same phone number that has been on my account for 30+ years ( XXXX ) except for about four weeks when I was using an XXXX from the hospital last XXXX ( that phone number was different ). Also, I have called them 4 times to put the XXXX number back on my account and it appears they still have not done that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thursday XX/XX/XXXX I purchased 2 tickets to an event from a 3rd party who was selling tickets. I used XXXX through my Chase bank account to make the transaction for {$980.00} to any XXXX XXXX who supplied me with a driver 's license and a XXXX account under his name. After one day of silence and no correspondence I came to the realization I was being scammed. After calling my bank and reporting the fraud. Chase customer service and fraud Dept. Did not even try to help me recoupy funds. To have a service available from a bank and not have any type of protection from such things is a big disappointment. Further more not even trying to help someone that has been a chase customer for over 10 yrs is what disappoints me the most. XXXX should not be an option for true banking customers if there isn't anyway to protect it's customers from predatory scams and fraudulent behavior. Truly disappointed in Chase and it's customer to help rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Southwest Credit Systems, L.P.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Southwest Credit Systems , L.P. contacted XXXX XXXX XXXX via a mailing as a debt collection agency on behalf of XXXX. A wireless provider XXXX XXXX  had purchased a month to month service plan with for a personal hotspot device provided to XXXX XXXX XXXX XXXX XXXX  decided that he no longer wanted the device or service due to service related issues that he felt were unsatisfactory and other relative concerns. XXXX XXXX, per the terms of his contract attempted to return the device at the same retail location from where it was purchased in XXXX XXXX , CA . The retail store representatives stated they were unable to process the return and advised XXXX XXXX  to contact a generic customer service departement. XXXX XXXX  did this and the customer service department advised that the return should take place at the retailer. XXXX XXXX  still has the device, and is willing to return it at any point in time in the immediate future if the provider would simply accept the item back, which is allowed for consistent with his month to month contract that was paid current at the point of attempted return. Nevertheless, the account was reported to a collection agency who subsequently reported the account to the XXXX major credit reporting agencies ( XXXX XXXX XXXX and XXXX ). ' Consistent with the initial mailing that was sent to XXXX XXXX by Southwest Credit Systems , XXXX XXXX complied with the expressed directives and procedures for disputing the debt and obtaining verification of the respective and consistent debt, but the collection agency did not comply and chose to report the information to the XXXX major credit reporting agencies. '

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

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 2021-11-11
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Please see attached pdf files! 

Respectfully, I am writing to dispute XXXX hard inquiries on my credit report that were made by your institution in connection with XXXX XXXX XXXX on XX/XX/2023. I believe that the information related to these hard inquiries is incomplete and inaccurate, which is a violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting standards. I kindly request that you investigate and rectify this matter promptly by removing these hard inquiries from my credit report. 

The violations of the FCRA and XXXX XXXX in this case include, but are not limited to : 1. Incomplete and Inaccurate Information : The information related to these hard inquiries is incomplete and inaccurate, directly contravening FCRA requirements for accurate reporting ( 15 U.S.C. 1681e ( b ) ) and XXXX XXXX standards. 

2. Unauthorized Access : I have not provided any form of authorization for your company to access my credit report, a violation of Section 1681b ( c ) of the FCRA, which covers transactions not initiated by the consumer and XXXX XXXX standards. 

3. Lack of Compliance with Consumer Requests : Despite my previous request in accordance with FCRA Section 1681i ( a ), there has been no response to my request for proof of authorization or the removal of my personal information from your records, as required by XXXX XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've noticed unauthorized hard inquiries on my credit report from XX/XX/2021 XXXX

Company response to consumer: Closed with explanation