BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Part of my identity was stolen. I never opened the account below. It does not even link with my XXXX XXXX account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/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 2019-12-28
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:
I have been officially verified as a victim of the Equifax security breach and since last summer of 2018, I have faxed, mailed, and called Equifax about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. XXXX and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is Equifax making it hard for a victim to get fraudulent credit accounts blocked?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Security Breach. I do n't know how much or what was taken, but I now stand the risk for, well, ever, that someone will maliciously use my personal sensitive information. I have yet to buy my first house, but I now worry that my credit will be misused and negatively impact my ability to borrow or buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
i check my credit report last week and i noticed XXXX XXXX that mine

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 2020-09-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See Complaint XXXX. Letter dated XX/XX/XXXX from XXXX XXXX stated " Bank will close the Account and submit the Discharge to the county clerk upon receipt of {$430.00}. '' On XX/XX/20 they cashed our check for that amount. I continue to receive collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This happened in XX/XX/XXXX -XXXX XXXXI was told by Capital One that I had to call everyone, and each month I did until I got tired of it. WE are not working, how can the economy keep charging us fees and interest rates for credit cards during Covid. It makes no sense. 60 % of the population in the US is not working. These stimulus checks and government assistance is helping a little but not enough to pay my credit debt. Also, with the merge of Capital One and XXXX really affected my credit even worse. Also Capital One on XX/XX/XXXX offered an outrageous offer of an account program for all my accounts for short term of XXXXAPR. And informed me they could not make my payment lower then that, but I should still make the payment but I will continue be charged fees and late fees only for 2 cards because they can not offer me no late fees for all my credit card with Capital One. So, now they can change my APR to lower my payments and fees. I did not bring Covid to the U.S. so why people with low income are getting hit the worse. The state of North Carolina is not absorbing any of our fees from credit card companies. I do not understand when an healthcare pandemic happens we are held liable for bills and credit cards. What more important credit cards or a human live? 
Capital one did not even want to consolidate my debt due to there merge with Walmart. How as an consumer am I protected. I been a XXXX XXXX for years, helping and this is how XXXX XXXX are treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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 is important to note, that I am the consumer writing on my personal behalf.

It is apparent that Experian has no concern for the law or for the consumer.

And I am ready take this to the next level.

The laws are clear. And there is blatant ignorance for the laws and my rights.

The fair credit reporting act was not created for the credit bureaus to avoid or bend the laws to benefit their own selfish desires to make monetary gains off the backs of consumers.

These accounts VIOLATE MY FEDERALLY PROTECTED consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 USC 1681 section 602 A States that I have to privacy.

15 USC 1681 section 602 A Section 2 : States a consumer reporting agency ( Experian ) can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also filed a complaint with the BBB see attached confirmation number.

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 2019-12-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pioneer Credit Recovery - Robodialer calls every single day and has been for months. Sometimes multiple times a day leaving a message on my business voicemail system. 

The message has no reference number. When we call them to have them look up the phone numbers they are dialing they can not find them in their system to eliminate them. 

We have done this over and over and had no luck in eliminating these phone calls.

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 2020-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was advised by a bankruptcy lawyer to put an identity fraud alert on my credit, while I was obtaining my credit reports and to ensure no new debt arose between the time I filed and the time the bankruptcy was discharged, I placed this with equifax at the end of beginning of XXXX under the understanding it would drop off a year from the time I placed it on the there, fast forward to XX/XX/XXXX and will checking my credit on XXXX and disputing inaccurate information was able to see that the fraud alert had not been dropped and instead had been changed to a 7 year alert, which if I read the fair reporting act correctly should only be able to be done with proof of fraud and police reports, I log into equifax to see that it calls it a promotional alert, weird I thought so I called equifax to see what steps I needed to take too get this removed off my report ( has basically made my ability to recover from my bankruptcy impossible, because it is well known that a fraud alert on credit report tells potential lenders DO NOT ISSUE CREDIT, ) thats beside the point after being sent to a call center in XXXX I was basically extorted out of XXXX and made to sign up for an equifax credit monitoring account to receive any information on how to get this alert removed, my main complaint is how can a company that basically is in charge of my ability to improve my life, ability to provide better things, have better shot to increase wealth have the opportunity to purchase a home going to one ) highjack my credit by extending temporary alerts unilaterally, Two ) extort me out of money to tell me how to get this alert off of my credit Three ) tell me after checking my score for me that its bad and I need to do something about it Good sirs I know that this treatment of an American citizen with XXXX children that works his XXXX off everyday might not be heard, but I truly believe our president would be appalled at how our citizens actual livelihood is dependent on a call center in XXXX its a shame and equifax should be ashamed, they profit off the poor and downtrodden under rouse of tips and ability to see scores, because the rich dont have to check there credit scores they own debt they dont have it!! 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Capio Partners, LLC
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a XXXX balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, Truist authorized some fraudulent activity on my account. They allowed numerous unauthorized XXXX transactions to remove money from account. I want my money put back into my account

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
Consumer complaint received 2023-11-17
Company: MiraMed Revenue Group LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My claims are on appeal with both my insurer and my provider, XXXX  XXXX. They denied coverage of emergency care for an emergency visit to the XXXX  XXXX XXXX and I have appealed the mis-coding of that event. XXXX  XXXX has reported they have NOT submitted it for collection. Mira-Med https : //www.miramedrg.com/ will not stop calling and is harassing me both via mail and calls, more than XXXX a week. According to the provider it has NOT been submitted for collection. I am stressed, XXXX  mom with a full time job and I am losing sleep over the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
I paid XXXX on a settlement agreement with Elan Financial only to have the account removed when I spoken to their representative. Now just recently they're saying they would only report the charge-off account as settled & still delinquent. Elan Financial still failed to verify any wet signature or Contracts when the account was opened which violates section 609 & section 611 under the Fair Credit Report Act. I only receieved billing statements which did not include that information. I plan to seek litigation for this careless action if nothing is resolved 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-19
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 status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and personal information that are still reporting on my account : Inquiries : XXXX XXXX NA Date of Inquiry XX/XX/XXXX XXXX CARD Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2023-02-13
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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a work injury on the job and became XXXX in which I could not make payments to the original creditor ( XXXX XXXX, XXXX ). It was agreed upon by me and XXXX XXXX that I could make some form of payment. From there XXXX & XXXX harassed me over and over again regarding this debt stating that they purchased it from XXXX. I don't owe XXXX XXXX XXXX I owe XXXX XXXX. The amounts are definitely incorrect. I have asked them several times to please send me copies of every payment that I have made and they have refused to do so. I also wanted copies of the original purchases that I have made because of suspected fraud. That has never been sent as well. Even with the payments that i have attempted to make it never came off of the balance. It is so sad of the intentional threats of suing me that they have made. I would like this collection XXXX XXXX XXXX ( MIDLAND CREDIT, INC ) removed from my credit please. If the creditor sells the debt to collections it is no longer their debt and it is no longer mines either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
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:
On XX/XX/ 2022 I sent a request to XXXX to Opt-Out program. I received an email from XXXX they have received my request. This is to suppress any and all information in the XXXX data base. The information being suppressed was not suppose to be shared to credit bureaus or any agencies. Who maybe seeking information about my personal information. XXXX has violated my rights as a consumer to suppress my personal information as requested. I filed a dispute with EquiFax, asking them to investigate a public record that is being reported on my credit profile. When the investigation was complete. EquiFax claims the information was verified through XXXX. XXXX is not suppose to be sharing or verifying any information involving my personal information. I have letters and emails proving XXXX has violate my rights as a consumer. An email showing they have received my request to suppress my information. A letter from XXXX admitting to being the furnisher of public records to EquiFax. I have an email and a letter from EquiFax via us mail showing they used XXXX as the furnisher for investigating the public record. Also a letter I sent to Equifax to do a full and reasonable investigation. This was a clear breach of trust with my consumer information. When I clearly ask XXXX to suppress my information and not share it with any credit bureaus or agencies.

Company response to consumer: Closed with explanation