BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
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:
Upon reviewing my credit report, I saw that I have 2 inquiries on my TransUnion report from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that I have not authorized. I made contact with XXXX and they advised me to make contact with the TransUnion because they have no way of removing this information. In the past 90 days, Ive sent 3 letters to TransUnion with the last one dated XX/XX/XXXX. The communication I received back does not acknowledge the unauthorized inquiries in question and stating that the dispute is complete. The letter only explains how to read a credit report and not showing results of the unauthorized inquiries. The inquiries are still remaining on my credit report as of XXXX XXXX, which is violating my Fair Credit Reporting Act.

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 2022-05-04
Company: Sezzle 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 information incorrect

Complaint:
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital One Bank has closed all branches in XXXX XXXX, Texas without regard to access to their ATMs. So using a " foreign '' ATM will undoubtedly cost extra in ATM fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: KY
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:
Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/2023 on XXXX, XX/XX/2023 on EXQUIFAX and XX/XX/2023 on XXXX Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on XXXX, XXXX on EXQUIFAX and XXXX on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TrueAccord Corp.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 True Accord, Corp. Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD ALREADY STOPPED BYXXXX XXXX XXXX Dear Sir/ Madam, I am, XXXX XXXX XXXX XXXX XXXX  ) United States Citizen, disputing the above- referenced debt. Please verify this debt as required by the Fair Debt Collection practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX , verification requires all the following : * Proof of my agreement to pay the original creditor, * A copy of the final account statement issued by the original creditor, * A breakdown of the total amount due, showing principal, interest, and other charges ; and * For all other charges, the date of and basis for each charge.

* I have been impacted by the Corona virus pandemic * CFPB proposed over the late fee amounts are illegal, XXXX XXXX XXXX  is fair and comitative, Only late fee {$8.00} not {$41.00} I DISPUTE THIS DEBIT BECAUSE ( forwarded TWO PAGES LETTER during XX/XX/2022 to XXXX XXXX XXXX. ) Barrowed {$670.00} ( DOLLARS XXXX XXXX ONLY ) from XXXX XXXX XXXX before COVID-19 PANDEMIC and paid total {$1000.00} ( DOLLARS XXXX XXXX XXXX XXXX ONLY ). What you want more than that during PANDEMIC TIME?. Even Land Lords are not collecting Rents from Tenants during PANDEMIC. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you already reported it, please notify the credit reporting agencies that the debt is disputed and/or delate the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5- 77 ) require that you honor this request. Thank you. 

Sincerely, XXXX XXXX SIGNED XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU, 1700G STREET, NW, WASHINGTON D.C.-20552 XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS DURING XX/XX/2022 REPLIED TO SEND MORE INFORMATION, AS I WAS WITH MANY MEDICAL PROBLEMS AND XXXX XXXX CONDITIONS COULD NOT REPLIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : 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 2023-07-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report and became aware that there are XXXX fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

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

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 2018-01-07
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: Personal information incorrect

Complaint:
On my credit report it says that I lived in XXXX XXXX, XXXX and I have never lived in that state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
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: Account information incorrect

Complaint:
I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.

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 2023-07-02
Company: EQUIFAX, INC.
State: CA
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 ( FCRA ), Account Name : XXXX XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto 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:
back in XX/XX/XXXX I spoke to a young lady by the name of XXXX. I wwas close to 120 days past due. I explained my situation and that I was maing payments to show my intent to pay the loan. she said that some customers they have to call the police on because they try to hide vehicles. I explained I didnt want that. That i own my own buisness and I was out of work for 6 months due to my equipment breaing down. I made a payment. On XX/XX/XXXX XXXX left a voicemail identifying herself from XXXX and that she understood what the vehicle ment to me and she was trying to help me keep it and prevent from calling higher authorities. when I heard the voicemail I got scared but I had already made a payment. I contacted XXXX and they said they would review the voicemail and call but never returned my call. on XX/XX/XXXX i spoke to a supervisor who said she would review the call and i asked for there legal departments information and was told that the legal department only protected them but that she would review the call and they would take action but did not specify what action or remdey would be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification today that a collection was added to my credit report in the amount of {$630.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
I received your response Last ( XX/XX/2022 ) that you need my updated email address which is XXXX. When I investigated my credit report, I realized that some of the information was erroneous. Transunion 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 account below and DELETE instantly from my file : XXXX XXXXXXXX XXXX XXXXXXXX

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 2019-12-27
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage contract states a XXXX late fee will be charged if payment due on XX/XX/XXXX is not received in TEN ( 10 ) days ( which is by XXXX ) Ditech is charging a XXXX late fee on the day AFTER the payment is due. ( XXXX ) My billing STATEMENT still says a XXXX late fee charged on late payment on the top right corner. 
Why are they charging XXXX if payment is ONE DAY LATE BREACH OF CONTRACT Also online account info shows current when paper statements reflect past due because they bill the paper statements for the next month before the current month is even due, making the consumer " appear '' as tho they are past due so this company can falsely report delinquent.

Also over payment are being put into an " UNAPPLIED amount, then the next month I get ANOTHER late fee even tho I OVERPAID the month before!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$500.00} Vanilla Gift card including a {$5.00} activation fee from a XXXX store on XX/XX/XXXX in XXXX, NC. The gift card was never out of my possession. I went to make a purchase using this card several days later and the purchase was declined. I later checked the balance of the card and discovered that the funds on the card had been hacked by someone that spent the funds at grocery stores, gas stations and XXXX stores in southern California. 

I notified Vanilla Gift of the stolen funds on XX/XX/XXXX by filing a dispute. I spoke with XXXX and was given a case # XXXX. I also provided Vanilla Gift my email address. I have not received any email confirmation of my case details or any details of an investigation into the stolen gift card funds. I am extremely upset that my funds were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: MS
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Penn Credit Corporation
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily calls four times a day. I spoke to PENNCREDITCORP at XXXX to stop calling me. They started calling more. 
I got calls yesterday at XXXX, XXXX and XXXX. It rings and then stops right away. It shows up on my phone whos calling but if I look up recent calls it doesnt show up. This is very annoying and has been going on too long. If this isnt resolved I will contact the police and report them. 

I dont have a debt with this company or any other company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation