BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 according with the Fair Credit Reporting act XXXX Account name- XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CT
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.

The letters are stated with items and issues.

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 2022-03-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with the accounts below. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX CITI 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 explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is so despairing. What is happening with you ( CFPB ) and the bureau ( TRANSUNION )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX CARD 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 2021-06-21
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I recently applied for credit and was denied due to a delinquency and now collection against an old credit card of mine. The credit card is BARCLAYS BANK DELAWARE. I went on XXXX XXXX and it shows they are saying my account is delinquent {$360.00}. I disputed the amount on the phone with them last week XX/XX/XXXX and they told me there is nothing I can do because they've sold the debt to a secondary debt collector and this issue is getting out of control and effecting my ability to get access to credit. Below is the timeline of events against my account with Barclay. 

Last Payment Made : ( PAID IN FULL ) XX/XX/XXXX At this time I put the card in a secure location and NEVER USED IT AGAIN Unaware to me a FRAUDULENT charge was Made : XX/XX/XXXX in the amount of {$3.00}. Barclay would not say how than my account got to {$360.00} but I am assuming they were continually charging my account late fees and interest. 
I WAS NEVER ONCE CONTACT BY MAIL, PHONE OR EMAIL notifying me Barclay Bank Delaware Closed my account : XX/XX/XXXX Again I was never contacted notifying me of this action taken I finally relieved there was a problem XX/XX/XXXX and immediately contacted Barclay first to understand what happened and second to report fraud on my account. The first represented told me about the {$3.00} charger back on XX/XX/XXXX but would not tell me how the account got to {$360.00}, I was than transfer to an account specialist who told me they sold the debt and that they could not speak with me or resolve the debt, I than requested to be transferred to their Fraud department and I was hung up on TWICE. Barclay customer support would not tell me the name of the debt collector and I am at a loss on how to resolve this. 

Please help. Thank you.

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 monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AR
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 and my FTC paperwork is not being processed properly by the credit agencies when I am submitting disputes to remove the accounts. I am also not getting copies of the verification process according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Company shows account open with balance after declaring it in XXXX XXXX and uncollectible ..discharge was XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: RSI Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Multiple letters sent with copy of discharge order. Company has not responded to multiple request to remove debt from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: WA
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:
XX/XX/2021 XXXX XXXX XXXX EquiFax I called and went online to all three credit reporting agencies to order my report and talk about other individuals possibly asking for credit reports in my name. 

I was not able to talk to anybody because my identity didnt match or pass the test. 

I again tried obtaining report on the website and again was not able to get to my report. 

I would very much like to know who has changed my information so that I am refused access to my reports. 

I am now receiving text messages that there is negative reporting on my credit file. 

I am aware of individuals that are using my name around town to throw me into an abyss of financial and personal problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TD BANK US HOLDING COMPANY
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it MayConcern This complaint is being sent to the bureaus due to an unsigned letter of debt andseveral listed errors on my credit file.Please be advised that the items below are disputedand validation and proof of claim of the disputed debt are requested in accordance with theFair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the followingnew Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All ofwhich work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligationthat is lawfully owed by the Claimant. In order to make arrangements to pay an obligationthat may be lawfully owed, please document and verify the debt by complying, in goodfaith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt ofthis letter. This is NOT a request for verification or proof of Claimant mailing address, but arequest for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titlesand Sections. I respectfully request that a re-investigation with competent evidence as perthe attached Declaration and Proof of Claim that I have any legal obligation to pay you theunsubstantiated alleged debt. Furthermore, please advise all debt account companies shallcease all verbal communication. No phone calls to me or my job. Due to this fact ; if anynegative mark is found on any of the credit reports by these companies or the company thatyou represent I will not hesitate in bringing legal action against you and your client for thefollowing : Violation of the Fair Credit Reporting Act Violation of the Fair Debt CollectionPractices Act Defamation of Character Violation of United States Code TITLE 18 PART 1CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX open XXXX XXXX {$1300.00} XXXX XXXX open XXXX XXXX {$360.00} XXXX XXXX open XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over XXXX i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please note, this is not a duplicate complaint, this complaint is due to new evidence on my report of incorrect information on my report. 
I'm not using any third party for this matter. 
I have mailed dispute letter to Equifax for incorrect information on my report : regarding of account - XXXX, XXXX. - XXXX I asked Equifax to remove this account from my report as it shows incorrect information, Equifax has sent me a letter that information was verified as an accurate. I have included the copy of my report from Equifax, that I highlighted incorrect information. They didn't update any information on my report as a fact they didn't investigated properly. They keep reporting on my report incorrect information, such as AVALIBALE BALANCE, How account can display available balance if it shows closed?. The payment history of the account is also incorrect. 
The similar situation with XXXXXXXX XXXX XXXX - XXXX. The balance is incorrect, it shows available balance, while account is closed, the payment history is incorrect, the date of las activity is incorrect. 
According to FCRA my report should provide ONLY CORRECT INFORMATION, otherwise incorrect info must be deleted. 
I have included ALL supportive documents for this matter with copy of my report from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
TD Bank Dispute Department TD Credit Cards XXXX XXXX XXXX XXXX. Ga XXXX We noticed that a merchant was charging our credit card XXXX, for services we did not use. In fact, we did not even know who they were. So TD open a case number XXXX in XX/XX/2022, and told us they would resolve our dispute. TD also said, they would close our a/c, as is the standard procedure. 

XXXX. TD did not close the a/c. .It took 4 calls to finally have them close the a/c in XX/XX/2022. The merchant kept charging the a/c all that time. 

2. When I called to find out the status of my claim, I was told that I could not speak to the dept., and it was unresolved. I made calls every month. 

The last call I made, the clerk said there was no case for this at all. 

We have stopped doing business with the months ago, and they keep sending us a bill which has the uber charges in it, The XXXX charges amount to {$800.00}. or more. 

I don't know what to do to get this reconciled. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a consolidation request in XX/XX/XXXX to consolidate a total of {$280000.00}, which was processed but was disbursed for the incorrect balance of {$9300.00}. All loans except for my XXXX loans ( which were also included in the request ) have been paid in full through the consolidation, but the balance is not reflecting that. On XX/XX/XXXX, I contacted Mohela and spoke with a supervisor named XXXX, who said she would be submitting a request to have the missing balance added to the consolidation. She said she has been seeing it happen too and to allow apprx. XXXX business days for processing. I called back on XX/XX/XXXX because the balance has not been updated on my account. Spoke with an agent, who then told us it wasn't possible for them to fix it, so the call was escalated. I was on hold for almost an hour, so I called back and spoke with XXXX who said the request was still pending to have the balance adjusted. Mercy then offered to escalate the call again, and I was placed on hold again. I was unable to get through to a supervisor due to the long hold times, and the issue has yet to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit report has dropped from XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX without a balance and the only change was hard inquiries dropping off. In XXXX of XXXX my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, TransUnion, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

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 2023-07-05
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:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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