BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Resolution for Late Payments : This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Bread Financial 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:
I am disputing a fraudulent inquiry on my credit file from comenitycb/ulta mc. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with XXXX as well as contacted ulta and requested it to be removed and any cards canceled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I was in dire need of a car & searched on line & found a XXXX ( XXXX miles ) XXXX XXXX - single owner. XXXX XXXX had pre-approved me far more than what I would spend. I went to XXXX XXXX XXXX XXXX ( XXXX XXXX ) & purchased the vehicle. 
I did not know that the vehicle had No Warranty until I was at the table signing. Thus I purchased an extra $ XXXX worth of additional coverage ( thinking it would be better safe than sorry. It doesnt cover the brakes that I need now after only XXXX miles. The finance manager came out to offer me additional coverage such as dent insurance? My saleslady was not impressed that he offered me that after she stepped away from the table. I declined the additional coverage. 
My credit score was XXXX XXXX Bank of America financed it at 9.94 % interest rate. I was preapproved by Capital XXXX of about $ XXXX, although I have their credit card and pays on time & keep my spending below 20 % & they declined me for an auto loan. 
I should have walked away from this all too familiar disparity of a deal. I had to put my XXXX XXXX to rest and paying XXXX ( no mass/bus routes ) & getting stranded in the wee hours of the morning was too dangerous. I cant enjoy having to have a dependable ride without KNOWING that the financing could and should be more affordable. I wanted to file a formal complaint because we see on the latest news that XXXX XXXX XXXX XXXX at an alarming rate even with good credit etc. It is this way in our every day life. I get so tired of the race card, but I cant make this stuff up. Being XXXX is XXXX and especially being a XXXX XXXX. 
* Purchased XXXX * Will be sending Bank of America CEO XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX registered letter * Sent Email to XXXX XXXX ( no response ) XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
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: Investigation took more than 30 days

Complaint:
Fair Credit Reporting Act states everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rightXXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXXXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX 
Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX  Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX Account : XXXX ) Has violated my rights XXXX ( XXXX  Account : XXXX ) Has violated my rights XXXX XXXX Account : XXXX Has Violated My rights XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that 3 Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-07-17
Company: EQUIFAX, INC.
State: VA
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'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 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 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
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:
There is an incorrect banking account reporting on my consumer report. Bright star is reporting a {$480.00} balance monthly on a closed account. I have disputed this inaccurate information three times with no response or validation. The debit was closed out in XXXX. I have submitted a XXXX form to get proof XXXX charged this debt off and received a write off for it. Yet they are still negatively reporting monthly on my behalf.

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 2021-05-09
Company: Google Compare Credit Cards Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Like many people, I have several payment methods stored within XXXX  XXXX XXXX feature. Essentially it stores your card details and enters them for you. 

I have used this feature almost since the day it came out and basically never had an issue. 

The other day I was attempting to buy more years on several of my website domains. I was successfully able to add 9 years to one domain and when I tried for another a minute later my bank flagged the transaction as suspicious and denying the charge. I cleared this up with the bank immediately and attempted to process the transaction again. This is when I noticed the money for that transaction had been removed from an alternative personal account that should not have been charged. XXXX  domains is refusing to refund the money or do anything and they are telling me that if I dispute the charges with my bank they will cancel my domain that I have owned for almost 2 decades. They stole money from an account I did not authorize and now they are refusing to help me in any way. They are threatening to basically shut down my entire company by cancelling my website domain if I attempt to recove these stolen monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PROCOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2023-08-14
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid 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:
About 4 different times during the past 4 months false fraud alerts have blocked my usage of my Citi cards credit card. I am the only person who has initiated transactions on this card. I have wasted many hours resolving these false fraud alerts, none of which are fraudulent.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 Notice Pursuant to 15 USC 6802 Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally notify you, as a consumer, of my decision to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, in accordance with the provisions of 15 USC 6802.

As outlined in 15 USC 6802, I expect XXXX XXXX XXXX XXXX to adhere to the following requirements : XXXX. Clearly and conspicuously disclose, in writing or electronic form, that my information may be disclosed to third parties. 
XXXX. Provide me with the opportunity, before the initial disclosure, to direct that my information not be disclosed to such third parties. 
XXXX. Offer an explanation of how I can exercise the option to prevent disclosure. 

I hereby exercise my right to opt out, and I request that you take immediate steps to cease the disclosure of my personal information to third parties, specifically XXXX, Transunion, and XXXX. I am aware that the Fair Credit Reporting Act ( FCRA ) stipulates penalties of {$1000.00} per violation, both for the furnisher and the reporting agency. 

I demand the prompt removal of my personal information from the aforementioned credit bureaus, as its continued reporting constitutes a violation of my rights under the FCRA and 15 USC 6802. 

Please confirm in writing that my request has been received and implemented. Failure to comply with this request will result in the pursuit of legal remedies available to me under the mentioned statutes. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I am dedicated to making sure that my credit report accurately reflects my financial conduct and I am aware of how important it is to keep an accurate credit history. But I'm worried that these late payments are hurting my credit and making it harder for me to take advantage of good financial chances. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
If the investigation confirms that the late payments are accurate, I kindly request your assistance in providing information on how I can work to repair my credit and improve my credit score. I am committed to taking the necessary steps to ensure my financial responsibilities are met in a timely manner. 
I appreciate you taking the time to consider this. I'm grateful for your help in getting this resolved and keeping my credit record accurate.

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 2023-11-28
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:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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