BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-06
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:
Statement to File w ith Credit union  disputes I disputed  XXXX  inaccurate    XXXX   day late payments on my credit report directly to TRANSUNION. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX     to TRANSUNION including : record of my payment due date (  XXXX  each month ) along with printouts of my Bank  Statements, verifying the date the funds  were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly when a payment was made for both loans at the same time or individually. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my requests from TransUnion was made. The file should be updated with no late payments reported accordingly.

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 2022-02-01
Company: EQUIFAX, 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:
I have submitted a dispute with the company EQUIFAX and have entered all of my information needed to file a dispute. When it comes to the portion when it asks you to upload your documents it will not allow me to upload the police reports I obtained for these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 

Please remove or block these items that are erroneously reported in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXt Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2017-05-06
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
My name is  XXXX   XXXX . I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of  XXXX ,  XXXX  &amp;  XXXX  of   XXXX   to access the " free '' dispute option on the  XXXX  and Equifax websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access  XXXX  and initiate the process.     This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the 3 credit bureaus to dispute the in accurate information to no avail. Im asking you to help me get my life back. 

TRANSUNIONXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$500.00} XXXX XXXX  XXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF ED/XXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX {$9900.00} XXXX XXXX {$5400.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX  {$0.00} BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX {$3300.00}

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 2023-03-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized XXXX  and XXXX XXXX and online charges

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 2023-06-13
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I sent in writing, a dispute to the debt, believing I did not owe the debt. Sequium did not obtain any verification of the debt nor did they mail this verification to me. However, Sequium continues to contact me both via email and phone to attempt to settle the debt, despite them never being able to obtain verification of the debt in the first place. They have sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Additionally, this unproven debt has now been reported to the credit bureaus and my credit score has dramatically decreased as a result and I am no longer in good credit standing, and I can not get any further credit, including a mortgage. I feel that they are in violation of the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: LEXISNEXIS
State: TX
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, 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 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I previously notified Wells Fargo that they were processing fraudulent transactions which attempted to debit my company 's checking account on complaint XXXX. These transactions appear to be coming from their credit card division which appears to have insufficient controls and/or is not following industry best practices to prevent fraud. 
The result of that complaint was Wells Fargo told me that there was nothing they could do to stop fraud routed through their credit card division. Since that date, 3 additional transactions have attempted to debit my account. I'll attach a file of the amount, the date of the transaction, the ACH trace number, and the included ACH payer id of Wells.

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 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified  the CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that  " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor.  This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to promptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the r esponsibility onto them is NOT acceptable.

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 2018-11-14
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:
On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. 

I thought I was applying for a credit card yet it was a loan instead, very misleading.

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 2023-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : Account Name : [ XXXX XXXX XXXX  ] Partial Account Number : [ XXXX ] Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: IL
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 did a dispute wit EXPERIAN several times indicating the error is been reported a late payment on    XXXX   XXXX  with the account with time payment company, Experian sent me the results they never fix the error  here are the documents to support my complaint as of today 's date since Experian  didn fix  my report I decide to share with CFPB .Im attaching proof of my  XXXX  payment sine Experian  report  ed one l ate in   XXXX   payment, please review my documents and let me me know when the error is been fix Best regards   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: LendingUSA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to COVID19 I defaulted on a loan from LendingUSA. LendingUSA sold the debt, over a year ago, to XXXX XXXX XXXX XXXX XXXX ( collections ) during the Pandemic shutdown.. On XX/XX/2021 I paid the debt to XXXX XXXX XXXX XXXX XXXX. 

I received an update on my Credit Report from XXXX and XXXX, that LendingUSA, who no longer owns the debt, reported my loan as Delinquent on XX/XX/2021. This Debt is paid and has been for over 2 months, therefore this account is not delinquent. The original creditor can't continue to report a balance due if it has sold the account to a collections agency. However, it can report a charge off, which remains on your credit report for seven years, even if you pay off the debtwith the original creditor or via a collections agency. 

This inaccurate reporting has dropped my credit score. At this point I feel I need to get an attorney and file suit for defamation, contact the FTC and take severe actions. Companies need to learn there are rules and severe repercussions. I demand an immediate retraction as the information reported by LendingUSA is not accurate and fraudulent as they do no own the loan and have not for a long time. 

While I am responsible for the default, I am not responsible for erroneous credit reporting. Actions like this, that companies take out of vindictiveness, can impact people 's lives in a very big way, it's not a game. 

Thank you, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, Attorney General, MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One charged my Walmart credit card {$400.00}. The charges were part of a fraud investigation. They claimed that the {$400.00} was credited to my account during the investigation. That's a lie. They did not credit my account {$400.00} during the investigation. So now they added the {$400.00} back on my balance. They also have destroyed my credit by reporting that I was late 30 to 120 days. I want the {$400.00} on my account credited back to my account not to the balance. I also want them to retract the late payments on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 customer service

Complaint:
I had to respond to the unbelievable answer i just received from capital one dated today XXXX i clearly am not valued there and as a result will NOT be using my accounts. 

Number one. i wrote in about a dispute with XXXX rent a car. As usual the bank did not process it correctly Specifically i complained to XXXX and then to the bank the car i rented in XXXX was filthy and did not start. They rejected dispute because XXXX sent a copy of the contract which was not the crux of my dispute the QUALITY was and that remains undisputed that i am correct by the company as such i demand a refund. 
Number two i wrote in and was responded to today that I WAS NEVER NOTICED CYCLE date changed. as such i charged a big amount i would not have HAD I BEEN NOTICED. saying it was on my statement does NOT address i did not know. i will pay no interest and i wont usemy cards until both issues are resolved appropriately i know my rights. I have always paid in full and been responsible i wont be treated this way. 
So dont write back saying you answered me XXXX and that all is closed HANDLE both right or i go to CEO period. Aint paying interest did not know cycle changed and your answer does not address that. i wish to re dispute the XXXX dollars with the rationale nothing you presented contradicts the poor quality of the car. PERIOD. if you waont help me i wont use my cards i go further P E R I OD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX. I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of XXXX, XXXX & XXXX of XXXX to access the " free '' dispute option on the Experian and XXXX websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access XXXX and initiate the process. This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.

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 2017-05-06
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid half of the total amount owed as agreed between myself and the original creditor. They agreed this about would 100 % settle the debt. They took my payment then several months later placed the derogatory information on my credit and added approximately {$1000.00} in fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation