BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
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:
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. I have done many attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened XX/XX/11 Balance {$0.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/11 Balance {$0.00}

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 2019-05-03
Company: MoneyLion 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 checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Moneylion Inc. by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2023-01-24
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 still incorrect when I reviewed it again. You need to validate this account and fix its status. My credit report includes the following erroneous information regarding this account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not sure why this continues to happen, but it SHOULD NOT be. Dept of EDXXXX has popped up on my credit reports as having a XXXX loan of {$35000.00}. I attended XXXX XXXX XXXX XXXX in Tennessee in XXXX. The loan was originally with XXXX. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from XXXX showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... XXXX I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL XXXX loan from XXXX years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off 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 2021-02-14
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill in the amount of {$1400.00} from XXXX XXXX. I left XXXX XXXX and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with XXXX XXXX  since then which is in collections. I do not recall or understand why Im receiving this. I already owe XXXX XXXX  over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I can not wholly blame XXXX  for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX  for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-Capital One Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX   # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-Capital One Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX   Inquiry from XX/XX/XXXX 14-Capital One Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-Capital One Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 20- Capital One Inquiry from XX/XX/XXXX 21-XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX  Inquiry from XX/XX/XXXX 24- XXXX XXXX  Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: WI
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/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, no response has been received. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: World Acceptance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Got a letter to cure debt. They did not include any information required by FDCPA. Numerous calls a day 5+ most days. Claims they sent letters which I never received and they cant prove they sent them. When I renewed my loan they didnt give me chance to renew collateral new loan should include new collateral and I believe they forged my initials on the collateral sheet on XX/XX/19. Willing to work with them if they give me til end of XXXX to get caught up or pay in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
The credit bureaus are allowing the below actions from XXXX XXXX XXXX to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. 

The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then XXXX XXXX XXXX continued collection activities on my accounts in violation of section 809 ( b ) FDCPA.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$80.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 2022-02-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
While searching for mortgages to buy a house, it was discovered that my Fico Score-2 was less than adequate. It seems that XXXX XXXX has stopped reporting that I pay my student loans to the credit reporting companies. The last report was made on XX/XX/2018. I have continued to pay, but the non-reporting by XXXX XXXX shows delinquent payments on my credit report. I have disputed these claims against me multiple times via Experian. Over three years of paying XXXX XXXX for my student loans and they have not reported the payments, tanking my credit. XXXX XXXX has sold their student to XXXX, whom I have not heard from to service the payment of my student loans.

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 2023-08-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and updating because they were reported incorrectly in my file. 
XXXXXXXX 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX 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 2023-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

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 2023-01-24
Company: EQUIFAX, 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:
Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect account information on my file. Not only is it unfair, its also illegal. 
XXXX5 U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Please refer to the files uploaded below for a detailed description of what happened to me. 

I want to note the following as well : Last Friday afternoon, I noticed a seemingly fraudulent XXXX transfer from my XXXX Bank account to someone with my wife 's name. While the account only had {$1.00} in it, nearly {$500.00} was transferred out, leaving a negative balance of nearly $ ( XXXX ). My wife never received that money, and I never authorized the transfer. XXXX Bank 's fraud unit is still trying to figure out whether it was just a glitch, or whether criminal activity occurred. It would be premature at this point for me to jump to any conclusions. That account is now closed due to suspicion of fraud.

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