BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: W&A Intermediate Co., LLC
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
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: Information belongs to someone else

Complaint:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX  for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX  - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970

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 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a complaint with the North Carolina Department of Justice, but referred me to the CFPB, because State has no jurisdiction over federal court cases. 

Now, I ask GM / Capital One to refund my money {$18000.00} because GM / Capital One had a fraudulent credit transaction from my two banks. ( Exhibit # A ). 

GM / Capital One provided two credit card numbers are NOT my credit card number, both credit cards were withdrawn from my two banks totaling USD XXXX. 

I am a victim of identity theft, and GM / Capital One conducted a false credit transaction. and also I did not give GM / Capital One any authorization or consent to allow the GM card or Capital One to withdraw my money from my two banks and deposit them into two different accounts, both none of my credit cards is my credit card.different account that is also violated false statement, and antitrust law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: OR
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:
Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX  for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three  credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems

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 2022-12-06
Company: EQUIFAX, INC.
State: NJ
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 recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my XXXX electric bill because my husband has been taking care of this bill for over XXXX years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over XXXX different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. XXXX long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of prison and changing my life this is a step back for me especially because this isn't my debt. Please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: OR
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:
Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX  never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
have received alerts that my SSN was used reported by Experian. Can not get a live person to answer the phone at Experian to find additional information as to who used or how my SSN was used.

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 2018-02-28
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor is XXXX XXXX located at XXXX XXXX XXXX in XXXX, FL the Collection agency is XXXX XXXX stating I owe {$1300.00}, I am disputing this company because I left the apartment due to flees and the Apartment building didn't wish to have apartment exterminated after I had ask them on several occasion. I never received my deposit as well.

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 2018-02-16
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Credence Resource Management '' has called my cell phone 47 TIMES since XX/XX/XXXX. It is always an XXXX person trying to collect a debt from me. I have never heard of these people and I am extremely irate. They called me this morning at XXXX XXXX   while I was getting ready for work, and I told the man, " You need to stop calling this phone number. I will report you to the federal government if you do not stop calling me. '' I hung up before he could respond. They called again on the same day at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX, XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX   and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Do you see how annoying this is?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Consumer Adjustment Company Incorporated
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a notification from XXXX XXXX that CACI has place two Items on my credit report from XXXX XXXX. I don't owe any balance from XXXX XXXX. 

CACI has been calling me non-stop at all times of the day, before XXXX and after XXXX. they are using false or misleading information in an effort to collect a debt and attempting to collect debts I do not owed. They said that if I dont response, they are going to take legal action. 

I do not know what to do. I feel like my rights are being violated. for this reason I am reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: FL
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:
It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, WELLS FARGO added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, WELLS FARGO has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2023-09-01
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a closed complaint : XXXXXXXX XXXX XXXX XXXX sold XXXX debt '' to Vance & Haufman LLC . I did not give persmission for this to occur. I am the consumer, orginal creditor and debtor. I have also access them to cease communicating with me, and they continue to do so via phone, mail, and via my credit report. I did not give permission for them to post anything to my credit report. XXXX nor Vance and Huffman LLC have a XXXX on file, which equals to identity theft. 

They are in violation of my consumer rights and the law, in addition to it being over 180 days trying to collect this " debt : '' 15 USC 1602, 15 USC 1681n, and 15 USC 15 1602 ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Maximus Education, LLC dba Aidvantage
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I submitted a request with Chase bank through my checking to have them pay {$2200.00} to my mortgage company, XXXX XXXXe. On XX/XX/XXXX Chase bank gave notice the check was sent. However, XXXX XXXX never received the money. They sent me a late fee of {$71.00}. I went into the Chase branch on XX/XX/XXXX to complain about the lack of service. Chase bank started an investigation ( Case # XXXX ) It is now XX/XX/XXXX. Chase bank has failed to return my money even after I was told by a woman named XXXX who is in charge of my case that the money would be delivered within 2-5 business days. That was on nearly 2 weeks ago. I called again today and she was out to lunch at XXXX. 
It is very close to Christmas and I am now suffering financial hardship because of this Banks blatant disregard and willful negligence to recover my money. They have had this money {$2200.00} for nearly 2 months now without any recourse on my part to be able to pay my mortgage and take control of my finances. To add insult to injury, they have charged me overdraft fees due to insufficient funds into my account. 
I am a veteran and fought for this country. We, the XXXX people bailed this bank out with our own tax dollars and this Bank has treated me and others with financial impunity. Shame on this bank and it 's greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: LA
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:
I have been a victim of identity theft I have several accounts on my credit report that are not accurate with multiple inquires. I have tried to reach out to the companies to explain the situation and I have not gotten any help I have been dealing with this issue for Months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
I am writing to file a formal complaint against XXXX XXXX Bank regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX Bank, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX Bank on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in # XXXX and {$96.00} on the account ending in # XXXX. I have confirmation of these payments from my checking account, which ends in # XXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX Bank. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX Bank accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX Bank. I look forward to a swift resolution of this dispute.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
Ed dept of XXXX continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of 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
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation