BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below and correct it in my file immediately : DEPTEDXXXXXXXX XXXX Balance Owed : {$6100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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 sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX XXXX Owed : {$7400.00} ; XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$49.00} ; XXXX XXXXXXXX Balanced Owed : {$870.00} ; XXXX XXXXXXXX Balanced Owed : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with XXXX   and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from XXXX  XXXX  that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX  XXXX  XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account XXXX XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX XXXX  XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: Larry H. Miller Group of Companies
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
1. Purchasing my XXXX XXXX XXXX Truck at the end of a 3 year lease. 
2. Negotiating a purchase agreement.

3. The lease agreement was on XXXX for $ XXXX/month for 38 months and endsXX/XX/2019. At the lease signing the salesman told me if I wanted to purchase the truck when the lease ended the monthly payment would be about the same, more or less. Monday XX/XX/XXXX my wife and I went to XXXX XXXX XXXX XXXX dealership in XXXX, UT. to find out what kind of purchase deal we could work out. We talked to Salesman XXXX, and Sales Manager XXXX ' who presented us with $ XXXX {$510.00} per month for 84 months. We told them we were on a budget and we couldn't swing that kind of deal, and they said can you put any money down? We said no because we were on a budget so it would have to be XXXX down. They said sorry, that's all we can do for you, I asked what about the {$10000.00} we put down at the lease signing, where did that go? They said it went to the residual cost of the truck, so we would be out that money if we didn't buy the truck. We decided to think about it for a few days and I returned with my son on Wednesday XX/XX/XXXX at XXXX to talk to the General Manager XXXX along with the Sales Manager XXXX ' to see if we could try and make a deal but the answer was the same as before. XXXX was very arrogant and aloof in his manor and asked my son if he new anything about math and my son said yes I know it very well, I work at a Financial Institution and super- vise many agents, then XXXX stood up and said I guess we are not going to get anywhere here, like we were wasting his time, so we left. I must say XXXX was a very rude representative of XXXX XXXX XXXX XXXX in XXXX, UT. 
4. The company is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, UT. XXXX Phone is XXXX 5. Salesman XXXX, Sales Manager XXXX ', General Manager XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: PMAB,LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I was involved in a school sport function injury. The schools insurance paid the bills to the debt collector/ hospital last year and settled it. The hospital is now saying it wasnt paid and sent it off to collections and is failing to provide reasons for these amounts that is unpaid and will not provide any paper work showing why my account was sent to collections and they stated it was placed on hold and was never even supposed to be sent to collections, but some how it got sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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. The items found within my credit report that I listed on the following pages are not related to any transaction 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 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 2018-02-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, XXXX   and Experian is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I would like to file a formal complaint against Transunion, XXXX  and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA because they 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failure to respond to a dispute within 30 days 3. Failing to provide the method of verification. Including the real name, address, and phone number of the furnisher within 15 days of your request.

4. Failing to notate that an item on your credit report is under dispute after a creditor or debt collector has reported the dispute.

5. Failure to provide all relevant info ( sign contracts, etc ) In XXXX I contacted several collection agency 's including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX  requesting to validate the alleged debt. These collection agency 's never responded to my request. 

In XX/XX/XXXX I contacted Transunion, XXXX, and XXXX  requesting an investigation in which the results returned as verified and met FCRA standards. How is this possible if the collection agencies never responded to my dispute request? They also never even notified the collection agencies that I was disputing the debt. 

In XX/XX/XXXX I sent a follow up request asking that the accounts be verified, which grants them 15 days and they never responded in the allowed time frame as well. They continued to report the accounts were verified. 

In XX/XX/XXXX I sent a third request again asking to have these inaccurate accounts, removed and updated. My request has once again been ignored. 

THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. 

TRANSUNION, XXXX  AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNTS!!

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2021-02-08
Company: BTH Management
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I pulled my credit report from XXXX XXXX and an unauthorized entry from PLAZA SERVICES collecting on behalf of, XXXX XXXX  XXXX in the amount of {$1300.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. PLAZA SERVICES has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, This complaint is in regards to Citi 's refusal to open a dispute on a charge posted by XXXX XXXX XXXX XXXX for {$1600.00}. Attached is Citi 's resolution letter. 

Citi has stated in its resolution letter " After a review of your dispute, we determined that we are unable to assist you because you received the services for which you contracted. Any further attempts to resolve this dispute will need to be directed toward the merchant. We now consider our investigation complete '' Dispute Date : XX/XX/XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$1600.00} Merchant : XXXX XXXX XXXX XXXX Citi Dispute Case ID : XXXX This charge was for a reservation at Best Western Premier Hotel Royal Santina between XX/XX/XXXX - XX/XX/XXXX. The hotel did not provide services per contract / reservation. 

I have contacted Citi multiple times requesting to reopen this dispute as I believe that they have incorrectly closed it without conducting a full investigation. I called Citi on XX/XX/XXXX and XX/XX/XXXX. During the XX/XX/XXXX call, a disputes resolution XXXX said they will place a request to reopen the case. The case remained closed. On XX/XX/XXXX, another disputes resolution XXXX said the very same thing. The case continues to remain closed to date. I emailed Citi on XX/XX/XXXX and have not received a response. 

I believe that Citi has incorrectly closed the case without conducting a proper investigation. Since they remain unresponsive, I would like to ask CFPB 's help in resolving this matter. 

Thank you 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 2022-10-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-02
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. WELLS FARGO CARD SER XXXX Date Opened : XX/XX/2017 Balance : {$8600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XX/XX/XXXX-XX/XX/2020, my Citi Bank credit card was stolen and used to make 14 charges that amounted to about {$3100.00}. During that time I was XXXX with XXXX  and was quarantined and in recovery. I made many attempts to inform Citi Bank I was not responsible for these charges however, they are still claiming I am liable to pay for the charges because during investigation I told them 'I always have the card in my possession. ' In response to this I asked if they had mailed me a new card because the one on my person was expired and XXXX the representative ignored my question twice. However, a few weeks later I spoke to XXXX, Supervisor at Citi Bank, and she informed me a new card was sent to me in the mail and we concluded this card was stolen from the mail and was used to incur the charges. XXXX told me she would recommend my responsibility for the charges would be dropped since the card was stolen from the mail but that has yet to be completed and I am still held liable for these charges.

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 monetary relief