BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-22
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: Account information incorrect

Complaint:
I enrolled to the university of XXXX of arizona online program and I change my classes and canelled the next day I never got the loan or went to the school but they have reported it on my credit report they stated reporting it in XX/XX/2019 and the amount is about 4,000 thousand dollars I have been reaching out about this issue and it has not been resolved yet. I really need this to be resolved because it's inaccurated and cause other issues on 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 explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX Balance Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed : {$4100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on JPMCB - HOME LENDING XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account is being closed with no reason provided. They have frozen my ability to use my debit card and will not allow me to withdraw money. Its too late to have my paycheck deposited into another account, so all of my money will be in that account tomorrow. My mother just passed away. I need access to my funds so I can make arrangements!

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 2019-12-22
Company: Experian Information Solutions Inc.
State: NJ
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and all need to be deleted from my credit report : XXXX XXXX. Inquiries : XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: DISCOVER BANK
State: MI
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:
Over the past year, Discover has repeatedly exposed my personal, non-public and sensitive data to fraudsters, including my salary, banking and other information. In addition, without my knowledge or consent, and in a retaliatory manner for me pressing for greater protection of my information, a Discover agent disabled my profile and automatic payments, which has prevented me from making my payment which is due in less than 36 hours. Upon discovering this on my own, as I was not told my payments and profile were deleted, I called today. I was told my only option was to make a payment by phone, which would require me to release banking information over the telephone to the very department that has repeatedly failed to appropriately handle attempted frauds and protect my information. When I balked at this, and explained that I obviously did not feel comfortable, I was given no other option to avoid being late, even though Discover caused the problem. When I asked to speak with a supervisor, this was declined. She said the " process '' for speaking with a supervisor was to let people know all supervisors are in a meeting, and that I could expect a call back within two days, which is after my due date. She also seemed to act in a retaliatory manner when I mentioned I'd have to file a complaint with their regulators ( what choice do I have at this point? ), warning me she would be noting my file. Discover has repeatedly failed to follow its own basic procedures to protect my information, causing my information to be exposed to fraudsters, and has taken an active role in preventing me from making my payment timely, stating I would have to pay by phone. Given the numerous calls and hours to Discover over the last year pleading to resolve these issues, this matter has cost me. I think it is important to realize that Discover repeatedly does not follow its own security authentication procedures and exposes its customers information, as has happened to me multiple times this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Van Ru Credit Corporation
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I stayed at XXXX XXXX XXXX in XXXX. Arrived XXXXXXXX  checked out XXXXI was charged for 3 night, {$600.00}, I have a receipt for that. XXXX XXXX XXXX charged me for a second room, I did not have for {$780.00}. They realized their error and refunded the money to Bank of America. Bank of America has not replaced the funds to my account. I have filed a claim with them, but the matter has not been resolved.

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 2022-11-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 a capital one credit card on my file the amount of the card is {$680.00} open on XX/XX/2019. I spoke to capital one about this card and explained that it was not mine. They told per their investigation it is mine. I asked them to send me proof and they denied doing so. They would not escalate the call. Absolutely no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I would like to start out by noting that account XXXX XXXX XXXX XXXX XXXX XXXX. This is the correct and only accurate account i had with that company. This account was closed on XX/XX/2023. 

I ask that this account be removed temporarily. Until the investigation is completed. 

Now I have taking the liberty of attaching several supporting documentations. That will support my findings with account number ending in XXXX XXXX. That's being reported on my XXXX and TransUnion credit profiles. I have found that XXXX XXXX XXXX XXXX is reporting two different account numbers. 
XXXX ) TransUnion account # XXXX XXXX ) XXXX account # XXXX XXXX ) XXXX  account # XXXX I'm disputing wrong account number, Payment status and Last updates. This company has been reporting a wrong account number. At the same time typing in derogatory and damaging incorrect status information. They are changing positive information into negative information every month. After I'd called and informed them of their discrepancies. I was denied of a home equity loan today. Due to XXXX XXXX XXXX XXXX XXXX reported on my XXXX credit report. That closed account now is reporting ( Not more than XXXX payments past due ). 
How in the XXXX can they report on a closed paid off/Never late account. This Company needs to be shut down and have a investigation done. I can't be my life for advancement was rip right from under me today. Lord knows, I was extremely excited to get equity from working so hard to pay down my mortgage. 
To where I was able to pull cash from my investment. Unfortunately, as you will see from the supporting documentations. I was denied the loan due to a XXXX XXXX credit score. After it drop XXXX points from the information that XXXX XXXX XXXX XXXX reported. 
Only XXXX has the correct and true correct account information. I attached it as well, and you will see the correct account # and the correct status information as well. I ask so whole heartily that this account be DELETED from my XXXX and TransUnion credit profiles. So that this will never ever happen again.. 
Respectfully, 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 2023-07-26
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint against TrueAccord Corp, a debt collector, for their violation of debt collection practices and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I received communication from TrueAccord in response to my dispute and request for debt validation regarding an account with XXXX, XXXX. Despite their initial acknowledgment of my dispute and their commitment to pause all collection activities until they provide the requested validation documentation, TrueAccord has continued their collection efforts. 

This action is in direct violation of the FDCPA, which clearly states that a debt collector must cease all collection activities once a consumer disputes a debt or requests validation. TrueAccords disregard for this legal obligation is concerning and has caused significant distress and anxiety. 

I have diligently exercised my rights as a consumer by requesting debt validation to ensure the accuracy and legitimacy of the debt in question. However, TrueAccords failure to comply with the law has led to continued harassment through collection attempts, creating an undue burden on me. 

I am fully aware of my rights under the FDCPA and other relevant consumer protection laws, and I expect TrueAccord to adhere to these laws throughout the debt collection process.

In light of the above, I kindly request the CFPBs assistance in investigating this matter and taking appropriate actions against TrueAccord for their non-compliance with the FDCPA. I also request guidance on how to resolve this dispute lawfully and fairly. 

Enclosed with this complaint are copies of the relevant communication, including my initial debt validation request and TrueAccords response. 

I sincerely appreciate the CFPBs commitment to consumer protection and seek a prompt resolution to this complaint. 


Thank you for your attention to this matter. 

Sincerely, 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 2023-07-26
Company: Experian Information Solutions 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2022-12-20
Company: Experian Information Solutions Inc.
State: IL
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 of 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 2019-12-22
Company: EQUIFAX, INC.
State: NJ
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and all need to be deleted from my credit report : XXXX XXXX. Inquiries : XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost XXXX  of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 and XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2021-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I sent a cease and desist to XXXX to stop third party communication and as I review my consumer report it is still being furnished which is in violation of my cease and desist.

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 2018-01-04
Company: First Data Corporation
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi Today out of the blue, I received a notification from a supposedly a bank called " XXXX XXXX ''. I did not apply for a card or knew about this company until recently. Notification that I have in front of me today, states that they mailed a welcome package, which I did not receive. When I called the customer service number today at XXXX, they are unable to locate by the account number on their letter. My daughter who is in a college received the same letter to her dorm address. She also did not apply for the card. I think this company is creating bogus accounts or letting fraudsters create account with stolen information. Please investigate. I have attached the letter that I received today. If it turns out to be fraud company, then I want them to be appropriately handled and published on your website. If it does create a valid accounts, then they need better customer letter approach as it is very deceiving and reading online, many folks have received this type of letter in the past. XXXX : XXXX Address of XXXX XXXX XXXX on the letter that I received is : XXXX XXXX XXXX, XXXX XXXX FL 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 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Before I opened the account I walked into a branch sat down with a customer service rep explained that I am high money profile in trillions and my account at other banks had been robbed more than 200 times and I gave the customer service documents from other bank stating that I had a severe identity theft she went and got her manager he set up a time for me to talk with the person that works with millionaires he guaranteed me if I were to open a account they would protect me from bank robbers, spoofs, fraud garnishments so I believed and months later they gave away less than {$80000.00} from my account. Someone sent over a fraud child support document that had been removed expunged from the system over 10 years.

Company response to consumer: Closed with explanation