BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
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:
on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX placed a collection on my Trans Union credit report in the amount of {$1500.00} in which I have no clue what it is for. I have never heard of this company nor have I ever been contacted by this company. I have researched them and have found that they have scammed many people. I have filed a dispute with TransUnion and I have also filed a complaint with the XXXX. I want the collection removed from my credit report immediately and I also want them to refrain from putting the collection back on my credit report in the future. 

TransUnion somehow verified XXXX & XXXX XXXX  collection as accurate which I know is not the case. I feel TransUnion did not do a fair an accurate investigation into this matter. If TransUnion did do an accurate and fair investigation into this matter they would have learned that the debt that they are saying belongs to me with XXXX & XXXX XXXX is way past the legal time in which they can report it on my credit report because legally a collector can not report a debt on your report when it is past the time allowable for reporting the debt under the Fair Credit Reporting Act ( FCRA ). The FCRA states that delinquent accounts can appear on your credit report for 7 to 7 and a half years from the date you defaulted on the original account. If a collection agency threatens to report a debt on your credit report beyond the legally permissible amount of time, you may have a claim under the FCRA for violating your rights.

I would like TransUnion to verify the date of the originally delinquency with XXXX & XXXX XXXX  from the original creditor. Just don't verify my name and address like they did in the original so called investigation. 

TransUnion did not do me justice by keeping an inaccurate collection on my report. I am asking that TransUnion permanently remove the inaccurate information from my 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 2019-05-21
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX ( ORIGINAL CREDITOR : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the UNAUTHORIZED INQUIRIES listed below 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 2018-03-15
Company: CBM Services, Inc.
State: MI
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:
This complaint is against CBM Services re acct number XXXXxx. I send a letter requesting proof to this debt Early XX/XX/XXXX to confirm if its one mine and also valid and validated. CBM Services did not validate the debt they instead sent improper verification. It was requested that CBM Services send me : Construct with my signature from the provider of service of me releasing my information to them. Also for them to cease any reporting to the bureau until this is resolved. 

Instead they are reporting on my report with a date of service XX/XX/XXXX which is also incorrect. There is false reporting in an attempt to collect a debt that has not been reported and I will proceed with reporting to my attorney general and the XXXX. This account needs to be removed immediately for falsifying information and failing to validate an account with a signed contract. Remove this account immediately from my credit report. 

I have enclosed a screenshot of what they sent back which also shows a DOS difference adding to my falsifying documents mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the UNAUTHORIZED INQUIRIES listed below 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 2019-05-21
Company: Allied Collection Services, Inc. (Nevada)
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Allied Collections has continually " verified '' that an account is valid. This debt is over the time limit that is allowed to be placed on my credit report. When I attempt to dispute they just " validate '' the debt. No responsibility for this debt has been claimed by me to this company. So there is no reason for them to re-age the debt or otherwise continue to report this old debt. This account is far beyond the statute of limitations for the state it originally occurred in.

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 2021-08-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Amex made me an offer via email through my Delta Skymiles acct. Apply for Amex Skymiles Gold Card and among other rewards, receive a {$200.00} airline credit on Delta for use as soon as application is approved. 

I applied, was approved, purchased an airline ticket on Delta and Amex now claims the offer did not include the {$200.00} airline credit, even when I showed them the ad that is on the Delta Skymiles account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 form 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 XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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 am submitting this complaint about XXXX  credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on 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 2022-10-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
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:
Request for my Title Information to be corrected with the State of Illinois I have been making numerous requests to XXXX XXXX and Wells Fargo to have my title & registration corrected. XXXX XXXX and Wells Fargo caused me to have a lien on title and now XXXX XXXX and Wells Fargo need to remove the lien. 
This is not an unusual request. It is unusual that these big companies are so uncooperative and not willing to fix a mistake that they caused. 
Time & time again I have been I have been asked to call these businesses but that will not correct my problem. I need these businesses to contact the state of Illinois to correct their mistake. 
Background : My vehicle was a Leased-Vehicle that I purchased over 2- years ago. The lease agreement was originated XX/XX/XXXX by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Il XXXX with a phone number of XXXX. 
At present, Wells Fargo is listed on the title for my vehicle. XXXX XXXX XXXX is listed on my registration. Title information obtained from the Illinois Secretary of State indicates my car has multiple owners. 
I obtained the pay-off from XXXX XXXX XXXX I made lease payements to to While I was leasing the vehicle, What I need completed : Some business related to my lease transaction needs to contact the State of Illinois to Remove a lien. 
Visit the Secretary of State Illinois and verify the current status of the title. 
1. Visit the web page for Title & Registration Information : Title and Registration Status Inquiry ( ilsos.gov ) 2. Enter the VIN and Confirm Wells Fargo is still listed on Title 3. Follow the instructions to change the title and contact the nearest Secretary of State Facility or call XXXX with corrections to remove Wells Fargo & XXXX XXXX XXXX from my title. 

Attachments : PDF Copy of this complaint Summary document of background information Current title information obtained XX/XX/XXXX from the State of Illinois Secretary of State Recent letter from Wells Fargo

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 2021-09-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I flew XXXX XXXX on XX/XX/2019, My return flight on XX/XX/2019 was cancelled and I paid {$45.00} for my bags with my American Express Serve Card, I called XXXX  to refund my bag fees because my return flight was cancelled, XXXX XXXX insists they already refunded my money which did not show up in my account, they said 10 days, after 10 days I filed a dispute with American Express Serve, XXXX XXXX has yet to respond to this dispute as of XX/XX/2019, Amercian Express Serve told me that I would receive a provisional credit within 10 business days, when I called them back they said my account wasn't eligible for a provisional credit but couldn't explain why, I have yet to see a refund on my card from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the UNAUTHORIZED INQUIRIES listed below 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 2022-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
Its been several months of trying to resolve this issue with Experian. In XXXX, I legally changed my name. All of my credit and student loan accounts have been sending reports to XXXX, Experian, and XXXX with my new/correct name since XXXX, and they sent me written confirmation that they sent additional reports to these bureaus to ensure they would have the correct information. XXXX changed my name and continued reporting my accounts as normal. Experian, however, refuses to update anything outside of my name and address, and they keep telling me that they cant do anything about it, so my credit report is missing several accounts and my score is incorrect. I sent over both digital and physical certified copies of my ID and legal court order. Ive started multiple disputes with Experian and spoken to several representatives in the Member Services Department, Dispute Department, and Special Services Department. I spoke to XXXX in the Dispute Department on XX/XX/22 at XXXX who informed me that they still had majority of my credit report under my previous name and so my information is inaccurate. He transferred me to the Special Services Department where I spoke to XXXX on XX/XX/22 at XXXX PM. He was very rude, said that I didnt know what I was talking about, yelled at me over the phone, and then hung up on me when I asked for an escalation and a supervisor. Legally, Experian has to update my information when there is evidence that it is incorrect. I then contacted XXXX, who also refused to update my credit report with correct balances and account information. I started several disputes with them and spoke to multiple representatives who all refused to rectify the missing information. This issue affects my identity verification, significantly delayed my application for housing which put my safety and security at risk, and I cant apply for any loans because my credit reports arent matching with all the bureaus. I will have to take legal action if this is not resolved because this is affecting my livelihood.

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 2018-03-21
Company: EQUIFAX, INC.
State: LA
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 credit bureaus indicated that the results of their investigation was accuate, however I have a letter from XXXX XXXX that the credit bureaus were instructed to remove this account from all credit agencies. The letter is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX Dept of edXXXX  Accounts # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a follow up to complaint IDs XXXX and XXXX. 

No sooner than I completed filling out this complaint, the company called me back on XX/XX/18 at XXXX and left another message saying I am about to be served with papers. I called them and told them of their error ( please see previous complaints ) but they told me that I am the right person and the numbers will not be removed. I begged the woman to look at the account because the last person I spoke with said there were notes on the account stating that my number was removed, the phone number for my mother ( who is a XXXX patient ) was also removed, and the ssn was wrong. She said the social is right, it's my account, and refused to look at the notes and hung up on me. 

This company states they will continue to call me and all numbers for skiptracing of me. Even though they don't have to " look '' for me because I am actively trying to work with them to straighten this out.

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