BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company.

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform.

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
An unauthorized hard credit inquiry was made by XXXX on XX/XX/XXXX. The unauthorized hard inquiry is found on Equifax. As soon as I was aware of the unauthorized inquiry, I contacted XXXX via email and notified them. XX/XX/XXXX I received an email from a XXXX agent requesting more information in to the matter. After several emails back and forth with different XXXX agents and after several months later, on XX/XX/XXXX I received an email from a XXXX agent stating a request to mask or remove inquiry was placed on XX/XX/XXXX and it would take up to XX/XX/XXXX for it to be removed. XXXX, XXXX I checked my credit report and observed the inquiry was not removed. I sent another email on XX/XX/XXXX to follow up and received a phone call from one of XXXX agents. I was basically told what I've been hearing for the past year. They are working on removing the unauthorized inquiry. I was never told who conducted the unauthorized hard credit inquiry or what actions were taken to prevent future victims. This type of unauthorized inquiry impacts peoples lives in many ways. I'm hoping CFPB will help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have payed off my current account with capital one and they reported it to the credit bureau however they remarked it incorrectly. My credit score had to increase instead of dropping. I fully paid the balance I had with them and I need the 3 credit bureau to report the good remark and increase my credit score as it should be. Paying off credit cards are positive remarks not negative please I need help with this issue thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-02
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have done everything to settle the account but the Collection Agency, McCarthy, Burgess and Wolff, keep sending Collection Letters. 

I sent a letter, together with a check, to settle the case because its already affecting my credit score but it was returned w/o explantaion. 

Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call once a week at least after repeatedly being told to stop calling. The debt they are attempting to collect is well over the 7 year statute of limitations so they have no right to continue this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: T.S. Holdings
State: NM
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 paid a collection account in full that I owed to IQ Data Intl. and my credit score dropped 30 points and it is showing as closed with a XXXX balance but not paid. I spoke with IQ Data to request a removal and they stated they wouldn't do it. Now my credit instead of being good is shot. Please let me know what my options are here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After filing one complaint they proceeded to tell me they couldn't verify me which would take a7 day turnaround affidavit I had to get notarized.I did and I I did so at the ups store with a tracking number and over nighted it.So when I confirm XXXX signed for it on the ups tracking sight I called and let the employee lie and then confronted them, then they dispatched me to Someone who said oh yea it just hasn't been uploaded an it would take 7 days to process before I have access to MY VA XXXX CHECKS.Even after I explained all this to this woman there was no empathy.I served from XXXX to XXXX 4 months in XXXX and year in XXXX while I was XXXX an XXXX yrs old.i just got benefits 4 months ago now there trying to take them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Company has abused my reports & violated the FCRA by using automated means

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 2023-05-15
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-11-14
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr XXXX ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Personal information incorrect

Complaint:
Experian continues to report address that do not belong to me or that I have never lived at. They continue to report my Name incorrectly. My name was changed by sealed court order to prevent XXXX XXXX. They are enabling this by contuing to report incorrect information. I have told them this. I have told them about the identity theft. I've faxed the police reports and FTC reports to no avail. 

My name should be listed as XXXX XXXX and only XXXX XXXX. 

My address should appear as XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX and Only 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 2022-02-04
Company: CITIBANK, N.A.
State: NY
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:
Hello! 
I got XXXX credit card by Citibank, and one day I got e-mail, -I think its fraud, but its say something suspicious going on with my account, I log in online to my account- and see message need contact asap by phone- so I call, and I contact with customer service representative, this lady say will contact with me- to prove me is me, OK, I wait 2 days- nobody contact, call again and ask supervisor- again explain- and this lady also say-will contact with me,- and nothing happens. Now- I have credit card blocked any transections, and I have no idea- with who I suppose contact more????

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 2023-07-19
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: Information belongs to someone else

Complaint:
I have discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk, they did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly, otherwise DELETE this from my report. 

Bankruptcy XXXX XXXX XX/XX/2016 XXXX-Discharged

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 2023-08-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2023 I mailed a cashiers check from my financial institution to refinance and pay off the total left on my auto loan with Ally Financial. The balance on the check reflected the total amount to pay off before the next payment was due, but it didnt reflect on my Ally account until XX/XX/XXXX which caused me to make a payment to prevent any derogatory remarks on my credit score. After making the payment there was a difference of {$420.00} that Ally was going to refund me. I waited 3 weeks for the check to arrive but nothing in the mail. I called Ally and they told me it was sent out roughly around XX/XX/XXXX and I should be getting it any day. Once a week passed I had a feeling something shady was going on and followed up again with another phone call. I told them that I felt the check must have been lost in transit because I still hadnt received it but to my surprise they told me the check had already been cashed and they couldnt send another one. They told me the only option I had available was that they could send me a secure message with the information of the bank that had cashed the check and they would get right on it which was back on XX/XX/XXXX. I called XX/XX/XXXX and just got off the phone with them today to find out that there is still no update or information that they have for me. I asked to speak to a supervisor and all of them were in a meeting ironically. They told me that the supervisor would follow up with me but that was 3-4 weeks ago. Im seeking to attain my refund and end all association with Ally Financial. After spending roughly 5 years with this company Im extremely disappointed with their services and care for their customers. If their only option of referencing me the bank that cashed the check is unsuccessful then they should issue me a direct check or payment to end this once and for all.

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 2021-06-17
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CB/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft DSNB XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number  : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft CB/XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2023-04-14
Company: LEXISNEXIS
State: KY
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:
Lexis Nexis has degratory informtaion on my credit file and i ahve reported. I have phoned and tried to login. How in anyone suppoed to get credit or get above in lifewith adversary remoarks on report that are not true?

Company response to consumer: Closed with non-monetary relief