BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have attached a letter received from transunion with multiple names which means the report is wrong under fcra.i also received a letter from transunion saying verified as accurate.This account does not belong to me and I would like to know how did you verify this account with 5 different names on my report.what name did you verify this account belongs to me.According to fair credit reporting act section 609 ( A ) ( 1 ) ( a ) they are required by federal law to verify through physical verification of the original signed contract any and all accounts you post on a credit report.I am demanding to see verifiable proof an original signed contract with my signature on it you have on file of the account from XXXX XXXX.I want proof attached to this complaint

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 2018-09-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECCRED Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Premium Credit Bureau
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:
XX/XX/XXXX HAS VIOLATED THE LAW ALONG WITH PREM CRED. I DID NOT GIVE WRITTEN CONSENT TO PREM CRED TO PULL MY CREDIT. XX/XX/XXXX IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS 100XXXX ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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 fraud alerts or security freezes

Complaint:
TransUnion does not allow you to put a freeze on your credit through their web site without signing up for an account. Although the account is free, it requires acceptance of a " terms of service '' agreement with a bunch of nasty stipulations.

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 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am currently a operating member of a XXXX  listed as personal guarantor for a Bank of America XXXX loan. The loan is listed as a personal joint loan on my personal credit file. I contacted BofA twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all XXXX ) tell me the listing on my report is correct and that I need to work with BofA to rectify. I am not sure who should own this but its affecting my personal credit standing due to this XXXX loan.

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 2021-03-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I submitted a dispute letter disputing that XXXX XXXX XXXX is reporting two different collection accounts that have surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that these accounts will remain on my credit report. Although I disputed both accounts with all three bureaus, under the purview of the same statue of limitation, one or none were removed from my credit report ( s ). 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Collection amount : {$7600.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MN XXXX XXXX Original Creditor : XXXX XXXX Collection amount : {$6700.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

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 2019-02-21
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: Information belongs to someone else

Complaint:
I wrote equifax several times on a debt collection which is a medical bill that is reporting to my credit report that is not mine and they refuse to remove it from my credit report. Im also a victim of identity theft since XXXX and I also sent in my Police report as well as my documentation to prove my identity. They still refuse to remove it. The name of the collection is call XXXX. XXXX. I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: American Credit Acceptance, LLC
State: NC
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has been claiming they have purchased a debt from XXXX XX/XX/XXXX and are attempting to collect it from me, but I don't have a card with XXXXXX/XX/XXXX never have, and can prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
I contacted this company twice more than a year ago by phone inquiring about a letter I received about a debt that was closed and discharged in a settlement agreement. Upon calling, I was told on two separate occasions, that I do not have any collections accounts when I provided basic information. They said there was nothing in my name. Now they are reporting it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The Fair Credit Reporting Act ( FCRA ) this document explains the rules and laws that the credit bureaus and creditors/banks must abide by.

Link : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf  ( page 78 ) FCRA Section 623 ( a ) ( 3 ) ( this law is for creditors/banks ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
ANY TIME contact is made to any an entity questioning a line item that they placed on your credit report, they are required to contact the credit bureaus on your behalf, and make sure they add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you have disputed the negative item in question. 

I have a copy of my credit report on the day Wells Fargo DRS signed for my letter, and another copy of my credit report exactly 31 days later. 

I have proof that they didnt follow the law.

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 2021-03-04
Company: EQUIFAX, INC.
State: NV
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 put me into collections in XXXX and now has put me in again for XXXX when in fact the contract had ended in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: TX
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 is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AMERICAN EXPRESS COMPANY
State: TX
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 rewards from credit card

Complaint:
American Express is sending out upgrade offers for their XXXX XXXX card. The offers range from XXXX points to XXXX points. For some reason, I was only target for the XXXX offer, despite being a member for almost 30 years and spending well over $ 100K a year. I was interested in upgrading my card, but did not want to take the lesser offer, so I decided to call American Express to discuss my options. Amex CS transferred my call to Membership Consulting in XXXX, FL. After going back and forth with the rep, I asked to speak to a manager. The manager ( XXXX ) promised to call me back within a day or 2. She never did, so I called Amex and filed a complaint about XXXX. Few days later I got a callback from XXXX who promised to look into the situation and let me know within 2 days. She said she had some contact at American Express who might be able to help us. She didn't call back as promised but did call the following day and left a VM. She claimed that she was still working on it. Few days passed without hearing back from XXXX, I called back only to find out that she was on vacation. 

Membership Consulting in XXXX, FL needs to be investigated as most of the reps don't help and they try to cover for each others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filled a name change at my online bank ( HSBC, XXXX ) of which they forwarded me a secure email under a XXXX format ( automated signature done via email XXXX XXXX   XXXX? XXXXXXXX XXXX ). The documents they requested were an id, a document showing the name change like my marriage certificate, and they also asked for my full social sec #. I had no issue since it was via a secure method and from/through my bank. 

They just sent me the executed docs via email ( unsecured /no protection ) which contained the image of my license, marriage certificate, and the doc containing my signatures and Full Social Security number. I was leery of my social # initially being submitted, but did confirm it was a secure method so my concerns lessened. I was not aware they were going to send it back to me in what appears to be an unsecured format. 

I responded to the email indicating that they sent all of my personal identification info through unsecured methods as well as called HSBC to file a complaint. On the call they said their emails are encrypted if sent from HSBC but, again, I dont see it. Also the email sent back was from XXXX under the HSBC name so I dont know if that is something that is auto generated from the vendor they use, which may very well not be secure. Since I dont know if my complaint to them will go anywhere, I thought I would file this with you as well. I have my credit frozen from the credit bureau breech but this is awful to send all of that data out for anyone to pick up. Since they are an international company, if they are sending unsecured emails out w/ PII then that should be also violating GDPR in the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-06-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
AMERICAN EXPRESS is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was XXXX with no pay due to XXXX  ... During my XXXX  I had minimum access to my banking and paying bills ... thus my auto pay to AMEX was returned by my bank. After contacting AMEX and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank AMERICAN EXPRESS can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 late payments on one of my capital one credit cards. I received paperwork on it saying my bill was due but I was already signed up for autopay and had more than enough money in my account to pay the minimum. When I realized there was an issue I paid this card in full and spoke with a representative to make sure I was signed up for autopay. I have spoke with customer service a couple times and they have not been helpful on something that was not my fault I have had no issues with getting my capital one account paid in time since this incident. I do not know what else to do. I should not be held liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: MO
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:
XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX but not XXXX or Equifax and it dropped me over 30 points that it shouldn't have. And now equi and XXXX are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!

Company response to consumer: Closed with explanation