BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX of 2021, I mailed a dispute letter to XXXX  and Transunion about a collection with XXXX XXXX XXXX XXXX XXXX that was on my report that appear inaccurate. I never received a response from either of the credit bureaus, however after viewing my report online I noticed that they allowed another collection agency XXXX XXXX XXXX XXXX XXXX to add the same debt to my report on top of it already being reported by another collector XXXX XXXX XXXX XXXX XXXX I contacted XXXX  and Transunion in regards to this matter and they have yet to correct it. This is a direct violation of the fair credit reporting act. I sent them another dispute questioning this and still no response. It will soon be 30 days with no response from either of them which would mean they would have to remove said collections from my report. However, I wanted to make you aware of this due to the violation of the laws set in place. Please help as this is causing a great deal of stress. 

Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Both collectors are trying to collect on the same inaccurate debt with XXXX XXXX for to different amounts,. This is a violation of my rights under the FCRA. 

Ive attached certified mail receipts stamped by the usps and dated from both occasions were I contacted them.

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 2021-05-05
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Self Financial Inc.
State: PA
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:
SBNASELFLNDR has submitted False Documentation stating the Account is Negative since XX/XX/, but the account is closed and it is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to remove it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed through XXXX. Somebody else deposited 2 checks of XXXX dolars into my bank account for a product that I was selling. I have evidence of the checks, the checks were credited into my account for a total of {$4800.00} and I have a copy of the CHASE receipt the checks were deposited in the bank through a cashier based on what you can see in the receipt. The TOTAL amount of the money was credited on the same day the checks were deposited which was XX/XX/XXXX. The person then asked me to zelle him back {$1400.00} because apparently they had mistakenly sent extra money to me. We made a deal of the product 's cost of {$6000.00}. ( it was a jewelry necklace that's why they only sent part of the money to start its fabrication ). I did the transaction through XXXX through 2 bank accounts ( my husband and mine*as the daily limit for new transactions was only {$500.00} ). and 3 days later XX/XX/XXXX ( the bank did not notify me, only I found out when I was checking my transactions ) and found out that the checks were rejected. I called the bank JP MORGAN chase and they said there is nothing that can be done as I was the person that initiate the transaction even though they accredited the check completely on the first place. The bank did not open a case I went to the police station to file a report they are asking me for a bank 's letter staying that they rejected the two checks because they were fake however the chase representative said they do not write those letters and they can't help me. I need some help and guidance in this process. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I have disputed with Transunion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, in regards to several inaccuracies. To my surprise, they continually to refuse to correct, and or remove or correct, this last erroneous reporting account from my consumer report. With just a precursory glance, they can see that this account is reporting a payment history " After, '' said account is closed. Specifically Transunion is reporting this account was closed on XX/XX/XXXX, and yet they continue to report payment activities on XX/XX/XXXX, XX/XX/XXXX, as well as XX/XX/XXXX. Even with out reading it in the FCRA, Transunion, and any layman is aware that this is impossible, as a closed account should never show payment activities After it is already close. They refuse to correct or delete, they continually have said the information is *Verified. They also have refused to send me the information as to how they verified, and with whom, although I have requested such in Accordance with FCRA, Section 611 ( a ) ( 6 ) and ( 7 ).

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00} XXXX {$2000.00}

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 2021-06-03
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Adler Wallach & Associates, 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:
On XX/XX/2021, AWA COLLECTIONS added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AWA COLLECTIONS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
Subject : Complaint Regarding Improper Repossession and Lack of Notice by Wells Fargo To all those concerned, I am writing to bring to your attention a matter of great concern regarding the repossession of my vehicle by Wells Fargo. I believe that Wells Fargo has failed to adhere to the consumer protection laws outlined in Florida Statutes, Section 537.012. 

Lack of Notice Before Repossession : In XX/XX/, my vehicle was repossessed by Wells Fargo without any prior notice. According to Florida Statutes, Section 537.012, I should have been provided with an opportunity to voluntarily surrender the vehicle before repossession. However, this did not occur, and I was not given the chance to cure the default or redeem the vehicle. 

Failure to Provide Notice of Intent to Sell : I have not received any notice from Wells Fargo regarding the intent to sell the repossessed vehicle, including the date and location of the auction sale. This lack of communication has left me uninformed about the process and my rights as a borrower. 

Violation of Right to Cure the Default and Redeem the Vehicle : Wells Fargo has not provided me with the necessary information regarding my right to cure the default or redeem the vehicle, as stipulated by Florida law. This omission further compounds the issues surrounding this repossession.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a collection account reported by XXXX XXXX  XXXX XXXX ( Account # XXXX ) to TransUnion. 
XXXX XXXX filled out the dispute form and was assigned File  ID # XXXX by Transunion. 
This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. 

XXXX XXXX  XXXX responded in a letter dated XXXX XXXX, XXXX, enclosing requested validation as supplied by the creditor. 
All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. 
But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied. 
XXXX XXXX XXXX ' collection account, based on XXXX XXXXXXXX  wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX  points, making me unable to obtain needed financing, and causing me serious financial harm. 
I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that XXXX XXXXXXXX XXXX have this collection account removed from Transunion and any credit reporting agency immediately. 
Then I yet again received a letter from XXXX XXXX  XXXX, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX  was wrong in billing me in the 1st place. 
XXXXXXXX XXXX  XXXX did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. 
My Credit Score has been reduced by XXXX  points, and I am still unable to qualify for necessary financing. 
Can CFPB please do something about this? 
Feel free to call me at XXXX. 
Thank you for your consideration.

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 2023-11-15
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I requested to add paper dollars on my cash app account at an authorized retailer per cash app which is feature on the app, However per the chat representatives not everyone has the feature. I wanted to know what makes someone eligible for the features and others not. I could not get a definitive answer in reference. I requested leader support in the matter did not receive. I was told that no one of leadership was available after I was told one moment someone was from leader ship would be assisting. I requested information to file a formal complaint in writing could not get a definitive answer for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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 status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
I have sent certified letters to XXXX, XXXX, Trans Union and other companies to conduct an investigation to verify inaccurate information on my credit report. It has come to my attention that a proper investigation was not initiated on my consumer report. I am a victim of unfair and abusive tactics to properly collect debt from different individuals, partnerships, corporations, trust, agencies or other entities. I have a right for protection as a consumer. To my knowledge I have been violated under certain laws listed below. 
According to the law 15USC1681a ( d ), ( i ) ; 15 USC 1681a ( c ) Exclusions-Paragraph ( 3 ), ( i ) Does not include consumer report containing information solely as to transactions or experiences between the consumer and person making the report. 15USC1681 ( i ) Subject to subsection ( f ) and except as provided in subsection ( g ). has been violated. I have not given any written or signed consent to furnish information to disclose on my consumer report. I have enclosed copies of my letters and certified receipts along with the 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 2023-08-03
Company: Glass Mountain Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX collection companies, Glass Mountain Capital LLC, and XXXX XXXX XXXX XXXX were collecting on the same debt. On XX/XX/XXXX, I paid Glass Mountain Capital LLC as they claimed to have owed the account since XX/XX/XXXX. Before paying the debt, I asked Glass Mountain Capital LLC to send proof they owned the debt. I never received it ; however, I paid the debt in order to clear it from my credit file. I was never sent documentation or was made aware that Glass Mountain Capital LLC was working with or for XXXX XXXX XXXX XXXX. As a consumer, it is very difficult to read, understand, and decipher credit reports especially across three credit reporting agencies. The account now appears on two of my credit reports, XXXX and XXXX, as XXXX XXXX XXXX XXXX, and as a paid collection. 

I paid Glass Mountain Capital LLC for the XXXX XXXX XXXX  issued by XXXX XXXX XXXX XXXX  with the understanding the credit bureaus would be instructed to remove the collection / tradeline not update it as a paid collection account. Not only is Glass Mountain Capital LLC not reflected on my credit report, the debt is listed with an original creditor titled XXXX FS Card Services and again with the entries reflecting the collection agency as XXXX XXXX XXXX XXXX. The dates reported for XXXX and XXXX show XX/XX/XXXX and XX/XX/XXXX, respectively. The dates opened are also inconsistent, with XXXX reflecting XX/XX/XXXX and XXXX reflecting XX/XX/XXXX. Furthermore, the account was not updated for two years prior to XX/XX/XXXX ( re-aging ) when it was supposed to have been removed from my credit file altogether with the agreed upon payment to Glass Mountain Capital LLC. These all appear to be violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filed a complaint XXXX against XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for an old medical debt from XXXX. The response was nothing further could be done. XXXX failed to mentioned the sale of the old XX/XX/XXXX debt to Commonwealth Financial Systems XX/XX/XXXX. It is now appearing as a current debt. XXXX did the same thing with another debt in XXXX, in which they sold this debt to XXXX XXXX XXXX. XXXX closed the account when I filed a claim with you. 
The above debt is the same story as past debts. Once a debt is XXXX years old in New Jersey, it's to be removed from my credit report. 
This is another attempt at collecting on a bill that several line items couldn't be accounted for. All negotiations stopped at that point. 
Commonwealth must close this account and remove it from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Capital One Account XXXX, XXXX XXXX Account # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX 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.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 2022-06-14
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Both my wife and I have a cryptocurrency wallet in the company XXXX. In both cases, we process withdrawals, requesting and transferring the funds to our respective accounts. The money has never arrived. We have made several claims and they only give us the answer that they are investigating the amounts. XXXX dollars for mine and XXXX dollars for my wife, the company does not give any answer and they only answer that they are investigating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation