BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Two charge off accounts are reporting a balance which Is against the law considering those two accounts are not mine. 
XXXX  XXXX account ending in XXXX And XXXX XXXX a 3rd party for XXXX  XXXX. There not my accounts I never opened those accounts. I'm very ill and this is only causing me stress and making my XXXX XXXX worse

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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hi problem goes to my credit card company Capital One. My card was restricted to be used and the reason was authorized users on the account that I attached couple of months ago. I called talked to higher management in capital one credit services customer service number on the back of the card.Customer service agent ( manager ) is saying for them to remove restrictions from my capital one venture card I need to send each and every authorized users driver license back and forth and social security number pictures totaling XXXX authorized users. I explained the manager working at capital one it will be better if they just remove all authorized users from my card rather then me asking for their personal information because I feel like its illegal and I dont want to do it.And she said that thats the only way to remove restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: WA
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 fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the Experian XXXX data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over 100 points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.

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 2023-09-08
Company: SF VAGO, LLC
State: MI
Product: Credit reporting 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:
This company is reporting inaccurate information to my consumer reports. Not only is the information inaccurate, it is too old and obsolete to be reported on my consumer reports. This has caused financial damage to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: HireRight Solutions, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My consumer reports are different names not my actual name. Also im trying to get a job with a good company for once and my background is 100 % inaccurate. A  XXXX  search says more about me than the consumer reports that not in any way was I asked if its actually me. I had my Id stolen and lost it happens but my  Social security/ IRS statement says  actual events while the consumer report is just a computer guessing or a guy on a computer trying to figure out who some one is.  XXXX  works better honestly. Its recent and honest. Im sure im not the on ly one with  this problem. I imagine people that are not tech savy. The lies and guesses that they receive sure explains why alot of people are unemployed!!

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 2020-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX  has NO OPTIONS is NOT XXXX XXXX  FOR XXXX. see attactched corrected report # XXXX for XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX accessibility. WHY AM I UNABLE TO HAVE ACCESS? Why is the law for banks not followed? see attatched ID THEFT REPORT XXXX sent to XXXX  previously and denied? Why? Kindly note USAA & XXXX  XXXX  PROVIDED NO ACCESS TO RESOLVE FRAUD. XXXX Provides NO ACCESS. see attatched DELIVERIES NOT MADE CRIM8NAL INVESTIGATION LETTER XX/XX/XXXX. PLEASE PROVIDE WRITTEN PROOF PURCHASES WERE MADE BY ME. PLEASE SEND WRITTEN PROOF THESE TRANSACTIONS WERE DELIVERED INTO MY HAND FOR VERIFICATION OF DEBT. ADA WCAG-21 Section 508 BANKS MUST GIVE EQUAL TREATMENT TO ALL WITHOUT OR ** WITH XXXX and ** XX/XX/XXXX ( " effective communication rule Title I & Title II of Americans Disability Act MAKE IT MANDATORY EQUAL ACCESS TO ALL COMMUNICATION ** MEET THE XXXX PERSONS NEEDS ) as ADA. Little man in blue ACCESS International Sign of ACCESSIBILITY. Banks and Credit Reporting Agencies NEED TO BE LEGAL. I NEED ASSISTANCE I HAVE PROFOND XXXX  XXXX XXXX  XXXX. What are XXXX   Special Needs Options? Why does XXXX  not follow the law? Why do they not make banks follow the law?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 checked my email on XX/XX/ and I noticed an alert from " Experian '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report both " XXXX '' and " Experian ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed dud to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Experian asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. 



( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-06-15
Company: EQUIFAX, INC.
State: LA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX TX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2021, I discovered that the bank had stated to the credit bureaus that I was a month late. After going through the online banking app I discovered that ( they ) missed a payment I made in XXXX. It was not discovered until XXXX because I always overpay. It has been six weeks that I have been dealing with them, they have found my money, they paid it to the wrong loan, who is I do not know. They stated they have requisition to get that money back. This was not my fault, this was their error, I have shown and proven to them and theyve excepted that I have made those payments. To date they have failed to credit my account, failed to Fix my credit that has gone from excellent to fair. It is stressing me out a great deal. I am very close to refinancing my house to a lower interest rate, however, this is not gon na happen now because they will not fix my credit and adjust my loan accordingly. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX, a division of Comerica Bank, has allowed someone to hack my account and steal approximately {$1700.00}. When I notified them on XX/XX/XXXX the charges were still pending but the customer care rep. said that she could not stop payment. I asked her to close the account and she refused saying that you can't close an account that has pending charges. Her advise was to call the next day. When I asked for her name I was disconnected. Currently XXXX XXXX has locked me out of the online account and telephone. Whenever I call my account number is asked and I receive the message that the new card is in the mail then the system disconnects. 
I lodged a complaint with the XXXX of Texas. Comerica Bank told the XXXX XXXX XXXX XXXX XXXX XXXX is a program of the U.S. Treasury, Bureau of the Fiscal Service and therefore is outside the mission of the Better Business Bureau. '' As of date the fraud division of the bank has had no contact with me. 
I have copies of my bank history which shows many banking discrepancies. This account is for my adult dependent son who receives SS and SSI benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Linebarger Goggan Blair & Sampson LLP
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I'm reporting the XXXX XXXX XXXX ( https : XXXX ) as well as Linebarger Goggan Blair & Sampson , LLP Attorneys At Law XXXX XXXX XXXX XXXX  ) for not ceasing and desisting according to ( 20 U.S. CODE SECTION 1234e ), to collect a presentment that was already dealt with in court- WHICH HAS BEEN PASSED THE TIME OF 3O DAYS LENGTH. and they disregard XXXX XXXX, which means they don't even know what the definition of a crime is. I reported them to the XXXX as well as to the CFPB. I hope that your department would be help to this situation, because they don't have consent from me to attack any of my rights, because I RESERVE MY RIGHTS UNDER ( UCC 1-308 WITHOUT PREJUDICE ). They seem to over look that, and It's a violation. 

Sincerely, XXXX XXXX SEE ATTACHMENTS. 
( 42 U.S. CODE SECTION 408 ), ( 18 U.S. CODE SECTION 1001 ), ( UCC 3-104 ), ( HJR 19XXXX ), ( 15 U.S. CODE SECTION 1602g ), ( UCC 1-308 ), ( 28 U.S. CODE SECTION 2007 XXXX AND ( SECTION 242 OF TITLE 18 ). 

Linebarger Goggan Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX, TX XXXX Hung up on an investigation in regards to a fraudulent collection. In which they refuse to drop charges against me. I owe no debt, as was told to them. corpus delicti Primary tabs XXXX XXXX is a common law XXXX phrase that translates to body of the crime. The phrase generally refers to the principle that no one should be convicted of a crime without sufficient evidence that the crime actually occurred. The rule began in part to prevent the government from punishing individuals for a crime solely based on their confession, which in many cases were false and driven by coercion. In modern practice, corpus delicti requires that the government have enough evidence showing that the essential parts of a crime occurred before they can even charge an individual. If the corpus delicti bar has not been satisfied, the government can not prosecute an individual. Much litigation arises on exactly how much corroborating evidence must show a crime actually occurred before corpus delicti is satisfied and rules vary based on the jurisdiction and the nature of the case. Some states require or used to require that corpus delicti be proven completely separate from the statements of the accused. However, some states such as California allow the statements to be considered alongside some corroborative evidence, and if the statements occurred during the commission of the crime, there may be no requirement for corroborative evidence at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-07
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: Investigation took more than 30 days

Complaint:
The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. XXXX XXXX XXXX have knowingly reported inaccurate amount due to the credit bureaus. I also had XXXX XXXX coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for XXXX XXXX. XXXX XXXX XXXX also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if XXXX XXXX XXXX  have been sending my mail to this address. ALSO XXXX IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.

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 2021-12-03
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 status incorrect

Complaint:
There is an account on my credit report in the name of XXXX XXXXXXXX XXXX with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

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