BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
There were credit inquiries on my credit report that i did not authorize. Due to these credit inquiries from the following companies, my credit score was affected. 
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 explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
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 writing to formally dispute and register a complaint regarding a recent collection entry that has appeared on my credit report. This new collection item is causing significant concern as it negatively impacts my creditworthiness. I have attached a copy of my credit report highlighting the disputed entry for your reference. I want to emphasize that I have not been previously informed or contacted about this collection account, and I dispute its validity. As per the FDCPA, I have the right to receive written notice of a debt within five days of initial contact. I have not received any such communication, and I believe that this collection entry may be in violation of my rights under the FCRA.

I kindly request that you promptly investigate the legitimacy of this collection entry as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy and validity of the debt, including its origin and amount. 
Confirm that the collection agency has followed all legal requirements, including providing me with written notice of the debt as mandated by the FCRA. 
I also request that you provide me with a written response within 30 days of receiving this dispute and complaint, detailing the actions taken to address this issue. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. Kindly assist me to delete this collection account in my credit report immediately : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$270.00}.

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 2019-01-01
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously disputed this debt via cfpb. Company responded XX/XX/18 that they would send a request to the original lender for accurate validation information. However midwest recovery have failed to provide such information violating FCRA. I have waited more than 30 days for them to furnish such information while they continuously illegally report the unvalidated information to the credit bureaus. I want said account removed or I will seek legal services. Do not attempt to call, email, or mail me any information. All correspondence will be via this website. If you can not upload documents to this website proving the debt is mine. Please remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XXXX  and did not manage to get forbearance/deferment completed, accepted Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed. The amounts are XXXX and XXXX.per FCRA I should not be responsible for this loan. due to inaccurate information and a 3 party reporting to credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I foundthat under section 605b of the FCRA you are required by law to remove & block any itemswhich are found to be opened due to identity theft. The dispute items do not belong to me.Im attaching the required FTC Report for you and the bank 's records ( learned throughmore research both parties require ). Please block/remove these files. If you feel there is apossibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that eachitems are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide anyrecords & claim the item is verified please understand I will seek legal action. I do not takekindly to games nor does my attorney. SO please comply with the law so this matter can behandled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX. XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/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 2023-12-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I always get charged an over draft fee or random fees, but I always have the exact amount that needs to be withdrawn and I still get fees I've talked to Wells Fargo but they always tell me sorry there is nothing I can do and I'm always stuck pay fees

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 2023-11-14
Company: Experian Information Solutions 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:
Upon conducting a thorough review of my latest credit report, I have identified several instances of inaccurate information associated with accounts listed. This misinformation is significantly impacting my ability to secure a home loan, thereby hindering my financial goals. 

I am reaching out to you in accordance with the Fair Credit Reporting Act to address and rectify this matter promptly. 

The list of accounts in question is as follows : XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX - Account ending in XXXX I would like to draw your attention to the relevant sections of the Fair Credit Reporting Act that support my dispute : 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing adverse information that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits the furnishing of inaccurate information to a consumer reporting agency.

It is evident that the inaccurate information on my credit report violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I kindly request that you conduct a thorough investigation into these discrepancies and take appropriate action to rectify and remove the inaccurate information 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 explanation
Consumer complaint received 2018-08-24
Company: Bread Financial Holdings, Inc.
State: TN
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:
Im a victim of identity theft and have fraudulent accounts that have been opened in my name with a companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for these fraudulent accounts to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed these fraudulent accounts as fraudulent accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There are also fraudulent addresses on my credit file reporting that are fraudulent addresses as well in which, I never resided at the addresses listed. I have those addresses listed on my FTC/IDENTITY THEFT REPORT as a fraudulent addresses as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as a fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Midland credit management company is a horrible company. threatening to put a judgment against me. XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX We authorized online payment of {$7100.00} to XXXX at XXXX via Chase Bank. Authorization and copy of check attached. Chase mailed the check, but it ended up at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. They cashed the check. Copy of endorsements by XXXX and XXXX Bank attached. 

XX/XX/XXXX XXXX  notified us that payment was overdue. We printed out the check and took it to the Chase branch at XXXX where the banker, XXXX, took copies of all documents, scanned them into the file, called the company and made a report in our presence. Chase credited our account with {$7100.00}, Sent claim form on XX/XX/XXXX. Wife called Chase on XX/XX/XXXX, got transferred between Checking and Online Banking FOUR times and never got answers. Representatives were unhelpful and not fluent in English. We were instructed to visit a branch for help, which we had already done. We completed the form, which included a statement from XXXX XXXX accountant that the check had not been received. 

XX/XX/XXXX We received a letter from Chase stating they would remove the funds from our account on or after XX/XX/XXXX since the original transaction HAD BEEN PROCESSED ACCORDING TO OUR INSTRUCTIONS. Absolutely untrue. 

XXXXWife mailed XXXX and retrieved the lost funds in 4 hours. One XXXX lady with an XXXX  could do in 4 hours what Chase couldn't do in 2 weeks. Inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX Account 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

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 2022-03-04
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
I hired XXXX protection in XXXX to assist me with my credit in XX/XX/2022 because old debt was resold to creditors after already being paid off. 4 letters have gone out to the credit bureaus to rectify the situation. Transunion has not complied with the request and my credit score is still being effected with previous paid off debts. I have disputed the debt with TranUnion to take off the debt of XXXX Bank in the amout of {$1800.00}, XXXX XXXX And XXXX for XXXX XXXX XXXX in the amount of {$2400.00}, and XXXX XXXX Bank in the amount of {$2700.00} 4 times now.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On multiple occasions I have attempted to lift my security freeze with Experian. 

Most recently, XX/XX/22, and repeatedly since then. When I provide them my SSN and date of birth, they say it doesn't match their records. Neither has changed. The other 2 bureaus do not have this problem. 

I have attempted by every means of communication to contact them. Experian does not answer their phones. Experian does not have online assistance. 

I can't communicate with them because they do not recognize my information. 

But, I can't lift my freeze because they don't recognize my information. Information which has not changed in over half a century. 

Experian does not respond to my multiple efforts to communicate.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 2023-12-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian refuses to update my account balance with the correct information from XXXX XXXX account. The card company reported the balance to all credit agencies. My account statement and a letter from XXXX XXXX clearly shows that the account is closed and paid in full since XX/XX/, but Experian will not update the account, and are violating my rights to have accurate information reported to my account. This is unfair practices and I believe they have a personal issue with me and are retaliating via refusing to update the account. I have never experienced this before and is not sure what to do.

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 2023-11-30
Company: DISCOVER BANK
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 provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for discover Bank to close this account due to it being fraudulent identity theft account. 
Instead of closing the account Discover Bank used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. 
They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. 
By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The line of credit account on my XXXX XXXX XXXX XXXX account is not accurate. XXXX XXXX XXXXXXXX - XX/XX/2023, {$14000.00} XXXX, XXXX XXXX XXXX - XX/XX/2023, {$14000.00} XXXX, XXXX XXXX XXXX - XX/XX/2023, {$14000.00} XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Sequium Asset Solutions, LLC
State: FL
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 have made multiple attempts to get this debt verified. I even contacted the original company since I have sent 2 certified letters to Sequium Asset Solutions , LLC and the only correspondence I have received is the amount owed not the original information. I dispute this debt is owed and this company will never send me any information on the original debt. As a consumer I have a lawful right for this collection company to verify the debt with the original debt with dates of services and the first date of delinquent payment. enclosed the only correspondence that I have from the company. I took it into my hands and contacted XXXX XXXX XXXX and enclosed is the only services that the copy only had on file for me. According to those documents this debt is too old to lawful to be showing on my credit report. I need this company to send me the original correspondence from XXXX XXXX XXXX not just numbers and verify this debt is owed. I have sent the verify letter twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

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 response to consumer: Closed with non-monetary relief