BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an auto loan with XXXX XXXX. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ).

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments! 

The staff at XXXX XXXX XXXX told me it was my problem and to take it up with Transunion. 

Transunion did absolutely nothing at all other than say the information is accurate.

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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
After Many Disputes before TransUnion refuses to remove wrong address and/or update to the correct address because the address they have on file is missing the location quadrant which is XXXX XXXXXXXX or XXXX. Attach to this claim I am providing a Gas Bill with my adress on it to prove my claim.

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 2023-01-05
Company: Experian Information Solutions 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:
I tried to apply for credit in XXXX of 2022 and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXXXXXX XXXX XXXX For the amount of XXXX, i also have a account with XXXX XXXXXXXX on my profile for the amount of XXXX. I have not done business with either company and These 3 companies needs to be deleted off of my credit. THIS IS FRAUD

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 2019-07-27
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: Public record information inaccurate

Complaint:
Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information..Delete CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISCHARGED REFERENCE NUM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried to ask the debt collector to stop calling me and they continue to call multiple times. They have now started calling my parents phone numbers which I have no idea how they even gotten their phone numbers. Yes I know I owe a debt but calling me multiple times a day is not going to resolve the issue, it actually frustrates me even more. Today alone they have called twice, yesterday three times, Friday 3 times, and Thursday 3 times, and so on. This is out of hand and has been going on for months.

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 2022-09-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion : My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, Georgia 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 2022-09-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a call from a number that matched the fraud number for Chase bank that was printed on my debit card. The caller stated that someone in Florida had initiated a XXXX transaction for {$2000.00} that was being transferred to a XXXX XXXX account. They went on to tell me that the only way to cancel this was to send the money back to myself since XXXX was a 3rd party platform. They had me add a contact into my XXXX history, the contact was my name, with a reference number that they gave me. I asked for a supervisor and was transferred to someone who verified this was going on. The person then stated that within 2 hours I would have the money back in my account. I waited and realized that the call was a scam after 3 hours, I called and notified Chase. Initially they credited me back the {$2000.00}, however within weeks they removed the funds and stated that I had sent the money to myself, there is widespread knowledge of this scam ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been being pursued by mail credit control corporation for XXXX different debts owed to this company which i never had any medical bills owed to this company or any other and it is now negatively effecting my credit score and is holding me up obtaining suitable housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-07-31
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a loan with Wells Fargo Auto from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, Wells Fargo reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, XXXX, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with 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 non-monetary relief
Consumer complaint received 2019-07-27
Company: Experian Information Solutions 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:
My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX (  ORIG CREDITOR : XXXX XXXX XXXX XXXX NA ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( reported duplicate on XXXX credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
Charge off of account occurred following and in relation to Bankruptcy filed XX/XX/XXXX and granted XX/XX/XXXX. 

Account is closed ; however monthly reports are still being submitted as new information. On a monthly basis, the same charge off appears as a " New Civil Action '' on XXXX  report when nothing has happened on account since XX/XX/XXXX. 

Notes on XXXX report indicates a high balance of over {$1700.00} for current month when account is closed and no money is owed. Elsewhere the report shows a balance of XXXX  ; however, the report of a current high balance suggests that the account is open when it is not. 

I contacted company in late XX/XX/XXXX asking for resolution of the issue yet monthly reports of incorrect information are still occurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by liquid.vip which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and further proceedings of compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written consent/authorization to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that furnishing data without consent is the same as committing identity theft : 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 2023-07-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$170000.00} XXXX  XXXX XXXX Balance : {$490.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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: Information belongs to someone else

Complaint:
I tried to apply for credit in XXXX of XXXX  and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXX OF XXXX For the amount of XXXX, i also have a account with XXXX  XXXX on my profile for the amount of XXXX. I have not done business with either company and These XXXX companies needs to be deleted off of my credit. THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
On XX/XX/2022 Capital One received a cease and desist letter in regards to account ending in XXXX. In this letter I stated that they violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). They sent a letter dated XX/XX/2022 stating that they wanted me to contact them via phone and they could not fulfill my request through written correspondence. Capital One violated my federal rights by not contacting the consumer reporting agencies and informing them to remove my that account from them. Also 15 USC 1681 ( a ) states that any information in regards to identity theft shall be removed after receipt of information after 4 business days. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRUIST BANK IS VIOLATING 15 USC 1692c attempting to collect of a debt owed or due or asserted to be owed or due to another to extent activity, I, XXXX XXXX XXXX XXXX have a signed contract or any agreement with Truist bank for XXXX also 15 USC 1692e False or misleading represntatives of any claims against XXXX XXXX XXXX XXXX any debt to Truist Bank

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 2019-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( Experian XXXX, XXXX  XXXX, XXXX   XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.

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