BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by XXXX XXXX XXXX stating that I owed a debt for Cash Central but for at least 4 times the amount owed. I told them that I believe this is possible fraud and would look further into it. I contacted Cash Central and I was told how much was owed before it was sold. The guy on the phone stated that if I didn't pay or set something up I would be taken to jail in a round up because he had the authority to do so. He was very rude and hung up on me because I did not agree with him. Company 's number is XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: National Credit Adjusters, LLC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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. 

Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/2023 Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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, IL XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$370.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF MY CREDIT.

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 2018-02-01
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Barclays Card close my account in XX/XX/XXXX and i tried to pay it current. Barclays Card Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the Barclay Card account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to Barclays to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from Barclays. I have also filed a claim with XXXX to correct the account. I have reported this company before for the abusive nature and tactics they take.

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 2021-09-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017 with a balance of {$9600.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed the information several times. Each time the company electronically verified the debt. I requested in writing that they provide me with validation of the debt in regards to a contract etc. They never responded and no verification has ever been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sent Tender of Payment along with Notice of FIDUCIARY OBLIGATIONS ( Attached ) endorsed by the beneficiary.

UCC 3-603 Tender of Payment : 3-603. TENDER OF PAYMENT.

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

Instrument was not returnedthereforedischarge has occurred.

Shellpoint Mortgage entered into a Trust relationship by accepting the instrument. They have not performed. This could be misfeasance and/or malfeasance of office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When requesting a credit increase from Capital One they deny the request and give a false reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove them immediately in my report : XXXX XXXX XXXX XXXX Date Open : XX/XX/2015 Balance : {$0.00}.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has violated my rights by reporting a late payment on my credit report on XX/XX/2020. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without instructions. 

15 USC166B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax has repeatedly been reporting positive payment history on accounts but now theres accounts that are showing different statuses from other credit reporting agencies. XXXX XXXX XXXX XXXX should be reporting as pays as agreed and closed on all XXXX reporting agencies. Not just XXXX. Remove negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions 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:
Discrepancy on the credit bureau report for experian and XXXX. It has been 6 months already with no resolution regarding this matter. The accounts for XXXX  XXXX Credit Card, XXXX XXXX/ XXXX XXXX  that were deleted from XXXX  report are reporting on XXXX  and experian being the same accounts. As far as I understand the creditor are the one who authorize the removal or deletion of the account from the credit report, how comes XXXX  had deleted this 2 accounts and experian and XXXX  has not. Attached the 3 credits reports from XXXX  XXXX  and XXXX  comparison in order to view in detail the reporting discrepancy.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company is unable to provide any original documents in to confirm the debt is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
# XXXX XXXX is reported as a closed collection account and marked as a derogatory after claiming an adequate investigation. It is not. It has been told to Trans union that this an account resolved and originated from ID theft. The negative impacts our standing for housing and other attempts at normal living

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, This account XXXX is reporting different information on my credit reports. 
This account is unknown collection. 
Please furnish the following 1. The accounting history, detailing past due amounts, amounts owed etc. 

2. Personal information associated with this account for identity purposes. 

3. Contracts detailing legal authority to accept payments.

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 2019-07-22
Company: PNC Bank N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid the account and I was told it will be reported paid in full and removed. 
there are incorrect late payments. 
the PNC BANK failed to report according to The Fair Credit Reporting Act ( FCRA ). 
IN XXXX XXXX they get paid. I waited 31 days but they failed to reported paid so in XX/XX/2019 I called asking them to remove the account from my credit report a violation of law. The Fair Credit Reporting Act ( FCRA ). yet they failed again to correctly report it. and it still hurting my credit score causing me hardship and finance problems. 
I requesting a removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: FL
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:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The situation is how I have complaint about a company named XXXX XXXX XXXX violated the Fair Credit Reporting Act, and they responded back saying they would delete any trade line with all the credit agencies. So far, they have done just that with XXXX and XXXX, but Trans Union have not deleted the item yet. I do n't understand why. I have proof of my investigation by CFPB. I have a complaint with TransUnion because I had written them a letter about an entry with a company named XXXX XXXX. My letter is dated XX/XX/XXXX-XX/XX/XXXX and TransUnion have violated the FCRA. They were suppose to get information from the company XXXX XXXX a contract or something that is bearing my signature informing them that the account is mine. They have not responded to my letter and it 's past the 30 days mark. Trans Union have provided the statement of disputed by consumer in the statement entry on my credit report. I want the company name XXXX XXXX to be deleted immediately along with XXXX XXXX company to be deleted. Trans Union will be able to see the prove to delete this item XXXX XXXX XXXX from my report immediately. My next letter to Trans Union is a letter about going to go to a small claim court in my city, and state, if I do n't get a response to this. I have written to XXXX and XXXX the same letter about investigating XXXX XXXX and they all have responded back saying it 's still pending or they will need more time. Trans Union have not responded at all to my letter pertaining to this company-XXXX XXXX. I want Trans Union to delete XXXX because Trans Union have violated the FCRA law and I want XXXX Finance to be deleted because they were suppose to have Trans Union to delete the entry. They have not deleted the entry yet while XXXX and XXXX have already deleted the entry. 
In summary, Trans Union have violated the fcra law by not providing the Disputed by consumer statement onto my credit report within the XXXX XXXX account. Trans Union also have not deleted the XXXX XXXX XXXX entry from my credit report which they are suppose to do after they have reported to them to do so. Also I have a letter that I have written to XXXX XXXX that I disputed the account and wanted them to show proof that the account belong to me by obtaining a contract with my signature, they never responded back, and I have proof of my letter to them to proof to Trans Union XXXX XXXX also broke the FCRA law as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: GA
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:
Sent out several letters explaining that the information they had regarding accounts were not mine. I asked for the original signed documents to prove that the accounts belonged to me. The credit bureaus keep reporting the information as mine. 
sent letters XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. I even sent letters using certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent {$200.00} toward my BJ 'S PEERKS MASTERCARD. on  XX/XX/2020 I only got credited for {$100.00} I am in BJ 'S Hardship Program which now I consider just a Title they came up with, because they still add on Interest and Late Fees, When I told a Representative named XXXX she said : we don't have to go by your Governor 's Executive Order of not adding on Interest charges and Late Fees. Then it got into a heated argument and I cussed at her, and told her, : I will see a Bankruptcy Attorney in order to File for Bankruptcy and they will not get the Balance. As BJ 'S just is not working with me paying off my balance. My Balance was {$4300.00} as of XX/XX/2020 as of XX/XX/2020 my Balance jumped to {$4500.00} BJ 'S MASTERCARD added on {$38.00} RETURN FEE from XXXX XXXX XXXX. Even though I was calling in the payment by telephone BJ 'S was not properply crediting me my payments.They also added on {$38.00} in Interest charges that they were not supposed to. They not only not working with me with the Hardship Program THEY CLAIM I'M In. But They add on these additional charges and go against the Executive Order of our NJ Governor XXXX XXXX.Therefore. I will see a Bankruptcy Attorney and he will file for Bankruptcy in my Name. I wrote at least 4 Letters trying to resolve this but they BJ 'S MasterCard will not work with me. And does not apply Credits as payments. I was Corresponding with the Card Issuer Comenity Capital Bank XXXX XXXX XXXX XXXX, Ohio XXXX My BJ 'S HARDSHIP PROGRAM was Set up by XXXX Her Phone Number Is : XXXX EX. XXXX BJ 'S  Payment Address Is : BJ 'S Perks Mastewrcard XXXX XXXX XXXX XXXX XXXX TX XXXX Customer Service XXXX

Company response to consumer: Closed with explanation