BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 2022-09-11
Company: Early Warning Services, LLC
State: LA
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:
Last year I submitted a request to a company called Early Warning when I was denied opening a checking account based on their report. They never sent me the consumer report at that time. I also uploaded a copy of my identity theft report from the FTC and accompanying police report to them. They still failed to communicate with me at all at that time. 

I was again denied when applying to open a checking account last month. The reason given to me was that I was denied based on information from Early Warning. I again submitted a request to them for my consumer report. I finally received it this week, and I was flabbergasted. The only thing reported on it was a checking account that was opened fraudulently by my ex wife. I know this due to the address on the account. I never lived at that address, but she did after we divorced. Even though there was a fraudulent account listed, it didnt contain anything I would call negative information. That account appears to have never been used and was closed for inactivity with a XXXX balance. 

So why is this agency reporting this account that appears to have been open for three years and closed with a XXXX balance as negative information? I dont see that as a reason to deny me from having a checking account. 

I am including a copy of the report they sent to me, my identity theft report and police report with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 explanation
Consumer complaint received 2023-10-01
Company: Remitly, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i was sending {$200.00} to the XXXX  but they couldnt get and i dont know were the money went and they need the money now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Lending Club Corp
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I refinanced my XXXX XXXX XXXX with XXXX XXXX. XXXX XXXX paid off my existing car loan to Lending Club. As of today, XX/XX/XXXX, XXXX XXXX has yet to receive the title. Because of this XXXX XXXX can't list itself as the Lien Holder on the title. 

According to XXXX XXXX, they contacted Lending Club 3 weeks ago and were told that it would be sent. I called two weeks ago and was told to give it more time. On XX/XX/XXXX, I was told to allow for 7 to 10 days. This loan was paid off in XX/XX/XXXX, and the title still has not been sent four months later. 

Now I am attempting to sell the car and can't because XXXX XXXX can't release a loan on a title that they are not listed as a Lien Holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On my XXXX Credit report " KOHLSXXXX '' ran XXXX hard inquiries on my credit report on XXXX, XXXX, and XXXX. I HAD a Kohls credit card and I always paid it on time, but they closed my credit card account, because my credit score dropped. I NEVER REAPPLIED for a Kohls Credit card. I am begging you to please remove the XXXX hard inquiries from ALL of my credit reports, because it is causing a negative impact on my credit report. 

The XXXX HARD INQUIRIES HAVE were all ran within XXXX weeks from each other. How is that even possible? PLEASE ****validate that this debt belongs to me and please also show me the original contract**** On XXXX I called the Kohls phone number listed on the XXXX website ( XXXX ) XXXX to dispute the XXXX hard INQUIRIES and I spoke with XXXX ( XXXX works at the credit department at kohls ) XXXX advise XXXX to call this number XXXX to dispute the hard inquiries. 

I called the number XXXX advise XXXX and it is the XXXX phone number. I was not able to speak to a customer service associate. 

I called the KOHLSXXXX number again ( XXXX ) XXXX and I spoke to XXXX XXXX number " XXXX. '' I spoke to XXXX and he advise my acount has been inactive XXXX advise he couldnt pull up any information regarding my credit being ran to open a Kohls credit card. ( I provided him with my social security number, name, phone number ) XXXX XXXX to call Kohls charge to get the best resolution XXXX. XXXX. XXXX. 


I called XXXX. XXXX. XXXX and I spoke with XXXX number XXXX. XXXX was very dismissive and rude and told me I needed the FRAUD DEPARTMENT and transferred my call before I could ask a question. 

XXXX transferred my call and I spoke with XXXX XXXX XXXX and he advise he would have someone contact me, because he said my credit was never ran those dates and he didn't see that in his system. 

I have provided you with screenshots of the calls I made to the Kohls XXXX number. The screenshots also show the hard inquries on my credit report from XXXX. A lot of these agents were rude and some of them hung up on me, when I asked them for there name. I believe the Kohls XXXX number has employees out of the country in XXXX, because the majority of the Representatives didnt speak XXXX well and there was a HUGE LANGUAGE BARRIER. 

. Pleasw contact me if you have any questions or concerns. 

XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have received and email from XXXX  on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX  Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or around XX/XX/XXXX, I received and Equifax report and notice they are inaccurately reporting XXXX an current open line a credit with excellent payment history as account in dispute. I have never contacted Equifax or XXXX and disputed my XXXX line of credit. In addition, EquifaxXXXX refused to report any information for the period XX/XX/XXXX, left this information blank effecting my debt to credit ration, current balance and payments effectively impacting the credit scores. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold XXXXEquifax accountable . I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: DC
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:
Experian Rent Bureau is reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXXXXXX 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 2023-06-11
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: Account information incorrect

Complaint:
XXXX has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported XXXX late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance

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 2017-10-21
Company: Experian Information Solutions 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 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : Experian and XXXX XXXX XXXX have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {$40.00}. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep {$540.00} ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with Experian, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. Experian is now in violation of sections 623, 609, 1681 and 603.  XXXX XXXX XXXX is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that XXXX and TransUnion Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been patiently waiting on BK OF AMER 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( BK OF AMER XXXX, BK OF AMER XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief