BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
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:
According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. 

In response to the XXXX XXXX Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.

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 2021-06-08
Company: WELLS FARGO & COMPANY
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:
The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft WFDS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not 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 explanation
Consumer complaint received 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2018 with a balance of {$9100.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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:
Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

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 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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:
See Attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have written to Equifax about my credit report on several occasions ( XX/XX/XXXX, XX/XX/XXXX and called them a few times ). The first problem is that they have listed on their a XXXX bankruptcy from public records. I told them this is incorrect, and they still have it listed on there and show me no proof of where they received this information. I asked them to remove it. Still nothing to date. 

Second, I wrote to them and sent proof about XXXX XXXX c/o XXXX that my insurance paid the amount they are contracted. They still didn't accept this, and won't remove the inaccurate findings. 

Third, I have a XXXX XXXX c/o XXXX Account and asked for proof the debt from them and the proposed debtor as I don't recognize, nor did I ever have this account. To date, no information was provided and it still remains on my account. 

Lastly, XXXX is another health provider issue where my insurance paid the contracted amount, and I sent proof and they still have the information on my account. 

When I call them, they say they can't talk to me because of my identity issue. However, they can send me a letter stating that they completed the investigation and they state its accurate although I sent them proof. 

In addition, I have a student loan that is closed/written-off. Just in XXXX, they state that the loan monthly payment went up XXXX and my credit score went down 54 points because of this. Is this even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries below are a result of Id theft and I notified Equifax and requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX   6. XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was not 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 explanation
Consumer complaint received 2020-11-05
Company: DISCOVER BANK
State: NC
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX / XXXX / XXXX/ - Date - XXXX / Amount - {$1000.00} / XXXX XXXX - Date - XXXX Amount - {$400.00} / XXXX XXXX XXXX - Date - XXXX / Amount - {$630.00} / XXXX XXXX XXXX XXXX - Date - XXXX / Amount - {$1200.00} / XXXX XXXX XXXX - Date - XXXX / Amount {$720.00}. Illegal unauthorized credit reporting of owners/ consumer alleged debt ( s ), hard inquiries.

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 2021-06-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In XXXX I wrote I letter to the credit bureau advising them my credit report shows incorrect information in the form of my name being incorrect, incorrect addresses listed, and inquiries that do not belong to me. 

It has been past the 45 day timeframe and this information has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: JPMORGAN CHASE & CO.
State: IL
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: 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 JPMCB - CARD SERVICE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Transunion Credit Bureaus continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing to correct my information on all bureaus credit sites. 

I now am PETITIONING FOR ARBITRATION for Transunion, XXXX, And XXXX, for this matter, and matters within XXXX XXXX XXXX XXXX as the company continues to falsly report inaccurate information in collusion with these third party credit bureaus, As well as trying to collect a debt.

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 2023-04-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
These accounts are hurting my reports. 
Please see attachments

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 2023-08-18
Company: EQUIFAX, INC.
State: TX
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:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Card Services XXXX . XXXX XXXX XXXX, MN XXXX To who may concern : Re : On XX/XX/XXXX, I purchased the following product or service : XXXX XXXX credit card took money for services non authorized and refuse to reverse those chargers when auto pay should only have been used for transfer money when payments are not made what so ever all the payments were done in a fashion matter ( also from XXXX institution ). 

I am dissatisfied with the bank with bank errors that should have happen to begin with and the lack of effort to reverse those non authorized payment, Asking to please fix the issue and send back to funds to the issuing back when the payment was made in full already. 

I would like to have that money reversed back to my banks account as per agreement I was told autopaymet should only be apply if not payment is made. 
I have enclosed copies of my records related to this situation. 

I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone a XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX   via fax XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am still being reported as late to the credit bureaus which is preventing me from obtaining a loan to get away from PHH/Ocwen. I filed a complainant once with CFPB and the issue was partially corrected but not completely. There is still a missing payment that is not being applied to my account. check number XXXX dated XX/XX/2019 in the amount of {$410.00}. I have attached a copy of this check. Again ; this company does not follow up through and upon attempting to reach someone for assistance ; all I get is that they will report it. Also ; per the companies response to the last complain ; the derogatory mark indicating that I was late on a payment is still an issue on my credit report. This MUST be removed from ALL CREDIT REPORTING AGENCIES. Please follow through on my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thisdebtof{$350.00}waspostedtocollectionsinXXXXof2019.IcalledXXXXXXXXandtriedtohavethemexplainittomebecauseIhaven'thadservicesthroughthemforatleast3or4years.Theycould'texplain.NowithasbeenplacedforcollectionsandIdon'tthinkIoweit.Ipaidallbalancesandreturnedequipmenttothematthetime.Ifeelthisisamistakeontherepart.IalsocannotaffordtopaybecauseIamonSocialSecurityXXXX,can'tworkandonlimitedincome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} BANRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

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 2020-10-30
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
I do not have a contract with this company. These people are trying to make me pay money that I do not owe and continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-02
Company: Uplift, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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 UPLIFT, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 2019-11-02
Company: The Receivable Management Services LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive a minimum 2 calls per day from a phone number I don't recognize. These phone calls always come when I'm busy with work or kids events. I have not received any written communication or bill from the company. With the amount of fraudulent calls that are typically scams, I no longer answer the phone from numbers I do not recognize.

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