BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by trans union, XXXX, and trans union 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay 26 dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.

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 2019-05-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy 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 2021-06-29
Company: Experian Information Solutions Inc.
State: MI
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Services ; is trying to collect a debt that's not mine. Capital One had sold the debt to XXXX XXXX ; which XXXX XXXX mark the debt as ID theft and stopped all collection ; Capital One then rebought the debt and then sold the debt to XXXX XXXX XXXX, which is attempting to collect a debt that's not my and have being mark ID theft, capital one understand that's its ID theft also ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Granite Edvance Corporation
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 have opened student loans in the past 3 years and they were being reported accurately to the credit bureaus until recently. I noticed that many years of successful payment history has been deleted. The most recent payment history is only dating back six months. The credit bureaus refuse to update this inaccurate information which leaves gaps in my credit history. I want this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid previously to another company. It is listed with the exact same account number listed and exact same amount owed. I sent the receipt with the account number to them. They are refusing to consider this a settled debt because it was from another company. I was notified by credit monitoring service that this was on my credit report. I first spoke with them on XX/XX/XXXX. I have not received a validation letter from them as of XX/XX/XXXX. The debt should not be with them at all because it was paid XX/XX/XXXX. My flawless credit is bruised because of this inaccuracy.

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 2018-03-28
Company: COMMERCE BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
A Credit Card account with Commerce Bank in my name appeared on my Credit report as having been opened onXX/XX/XXXX, after I had applied for and I assume was approved for by them. The problem is it is now XX/XX/XXXXand I have not received the card. I am worried it may be lost in the mail and I do not want it to be used fraudulently. I have attempted to contact someone at Commerce who can confirm the fact that the card was actually mailed and that it may be lost. I have emailed them 5 times, but they refuse to acknowledge or answer my emails. I can not understand this lack of concern on their part and do not want my identity compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company 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 2019-08-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied to Comenity Bank for the Victoria Secrets  card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am XXXX XXXX and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them. 

Enclosed is proof they got my XXXX Report but they claim in the letter they sent to me that they could not get the report, copy enclosed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys XXXX XXXX XXXX XXXX XXXX, Indiana XXXX RE : XXXX I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.

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 2021-06-29
Company: Granite Edvance Corporation
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: Account status incorrect

Complaint:
Granite State Management incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ERC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021, I received a text message from my Bank, Chase Bank of an unauthorized transaction of {$99.00} from XXXX and to respond yes or no to the text if I authorized the transaction, I selected no and my card was closed and a dispute would be processed and a new card mailed to me. On XXXX the credit was given back to me for {$99.00} however on XXXX the dispute I received an alert in the Chase mobile app the my dispute of {$99.00} was reversed, I called the customer number XXXX and spoke to a representative as to why the dispute was reversed, after a brief hold to check on the status of the reversal the representative stated that due to the card having to be swiped on site of where the fraud occurred that Chase Bank does not have legal action to dispute this type of transaction and that no further action could be taken other than preventing future unauthorized transaction on the card that was closed. Unhappy with the explanation the representative also stated that since the card was in my possession and it was swiped maybe with a duplicate card they can not give me my funds back however if the card was not in my possession then Chase Bank would have to return my funds. This is not acceptable clearly knowing this transaction was detected by Chase Bank Fraud prevention and not being able to help the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX  XXXX amount is XXXX and does not belong to me.

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 2020-05-26
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft, this account does not belong to me

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 2020-08-28
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: Account information incorrect

Complaint:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate

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 2021-06-29
Company: EQUIFAX, INC.
State: CT
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 have send this company numerous letters and have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house XX/XX/XXXX. The attorney called Seterus Inc. to verify taxes had not been paid. Seterus told tbem they had not so attorney paid taxes and said I would get my money back with escrow refund. I got an escrow check that did not include taxes. I called Seterus tbey stated they paid taxes. I called county and they said it was dounle paid. They would refund money to Seterus. That was 3 months ago. On XX/XX/XXXX Seterus stated they had the refund but were aloud 3 weeks to refund to me. I called back today Seterus stated they didn't get money back from XXXX County. They have had my money for 3 months and noone is helping. XXXX keeps transferring me around to differen people.

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 2019-03-08
Company: Innovis
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:
To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account does not belong to me they put an account that doesnt belong to me

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello. I recently reached out to the companies involved as well as Transunion customer service and they did not do anything about it. Im a victim of Transunion inquiry issues. 
the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-06-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This bank is the only bank that keeps charging me overdraft fees. The account with literally show available balance I use my card then after a while it will act as if I never had the money. They told me if I deposit money same day I wont be charged overdraft fees yet Im still charged overdraft fees. I dont have overdraft protection XXXX dont want it. 

They they have a special time of payment processing called time order processing. These people will literally lets you spend off your card and have the transactions pending and show you have available left and days later tell you that you didnt have money, they want me to keep calendar records and take notes of what I spend. With XXXX or XXXX XXXX if I spend money it takes it out my balance.. not show me I still have the same amount of money! It doesnt let me spend money I already spent.

Company response to consumer: Closed with monetary relief