BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XXXX/XXXX/2019, I received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to.

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from XXXX XXXX XXXX Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored 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 non-monetary relief
Consumer complaint received 2022-01-10
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in reference of a letter claiming I OWE a debt from you all that i do not claim. Also, it was a threat made at the end of the letter that claimed if I do not respond to you all you will tarnish my credit report and report that unidentifiable .From my knowledge you are breaking multiple laws that will be enforced.We do not have any contract formed that you should be contacting me this is invasion of privacy because I do not know who you are and for you to say that I owe you anything being that you are a debt collector is another form of violation containing the FDCPA law .Every violation found is XXXX dollar violation please remove a ; l information yuou have associated with me 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 explanation
Consumer complaint received 2018-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In my using the XXXX  phone app ( that is attached to my Chase Credit Card ) to purchase a {$24.00} ticket from XXXX XXXX, the app bought a {$24.00} gift card from XXXX XXXX I telephoned Chase Credit Card and was told to file a complaint with XXXX. To wit : ( for details see attachment ) Re : XXXX Sirs : On XXXX2018 the XXXX app made an error by purchasing a giftcard of XXXX XXXX in the amount of {$24.00} The intended purchase was from XXXX XXXX  for {$24.00}, which purchase was completed moments later.

As the XXXX XXXX charge was an error, Please Credit my Chase CCard account - ending in -XXXX - for the erroneous {$24.00} charge.

Yours, XXXX I have not heard back from XXXX about this complaint/dispute.

I filled out a complete online dispute form on the Chase Credit Card website and when I submitted it I got the return message, " Page Not Available ''.

I re-telephoned Chase Credit Card and spoke with three agents, ending with XXXX XXXX   supervisor in the dispute department, who told me she and Chase Credit Card could not reverse the erroneous charge.

Companies involved : XXXX XXXX XXXX XXXX ; XXXX  phone app ; Chase Bank Credit Card.

Please Advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion ADDRESS : 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 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 2018-11-22
Company: Experian Information Solutions 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:
I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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 2021-07-05
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Pnc sent me a dormant card to replace an expiring card. 
Obviously, this did not work. Ive spent 2.75 hours with customer service, a branch visit, and one crying spell to be given a replacement that didnt work. 

I just want a debit card and it was refused. I wasnt given an attempt to escalate or to speak to someone who could assist. I hope this complaint will trigger action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been previously deleted, but continue to be put back on and I had no contract with these creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
these people keep calling my cell phone looking for a  XXXX   XXXX . I am NOT  XXXX   XXXX  and I told this "   XXXX   XXXX   '' at extension  XXXX  to quit calling my phone.     She proceeded to tell me I was a liar, and that I am too  XXXX . I told her to quit calling me. She wo n't quit calling me. I keep receiving voice mails after blocking her that state " This message is for  XXXX   XXXX  my name is  XXXX   XXXX  and it is urgent thatyou give me a call back today at  XXXX  extension  XXXX . If we do n't hear back from you today legal action will be taken. '' Make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: OR
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:
My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately $ XXXX from 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 2018-11-22
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Equifax has taken over 30 days to complete my investigation. To date, they still have not provided me with an update and have claimed to the XXXX that they are still working on it. However, when I initially reported and disputed through them about my identity was stolen and that the creditors listed on my credit report did not belong to me, they returned a decision ( without updating me ) that the files were updated as correct. They left the creditors on my credit report. Now, they have asked the XXXX for an additional 60 days after they did not complete within 30 days and did not update me. This should not take any additional time to complete because if the credit belonged to me, it would be able to be proven. The creditors are unable to prove that the credit cards listed belong to me because it does not. As listed in my previous complaint, my name is not listed properly and the addresses are incorrect. I have not resided at any of those addresses listed on my credit report. Equifax should not be granted any more additional time and that they should immediately remove the fraudulent credit/creditors/credit cards from my credit report, as my identity was stolen. They had enough/apt time to collect information and to investigate. They took 2 days initially to keep it on there. I had also sent Equifax, in my previous complaint, the official documents of my official report of stolen identity and the misspellings of my name and incorrect addresses that the creditors reported on my credit file, proving that it was not me. I have never authorize the creditors for any credit. I would like the following removed my credit file -including the inquiries. The following are : XXXX Bank, XXXX Bank XXXX, XXXX, and XXXX XXXX Bank. Also, XXXX XXXX Services is listed twice on my report for the same. One should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2021 sent initial dispute requesting for the bureaus to verify some accounts and shows that the investigation never took place. I know that the investigation never took place for XXXX XXXX and XXXX XXXX because it does not show in the comments that this account was ever under investigation nor does the status update shows that it was ever investigated. Then on XX/XX/XXXX sent another set of disputes requesting information on these accounts which are attached below and never shows updated for the status or in comments. The Bureaus are definitely in direct violation and at this point due to passing he timeframe allowed for the investigations, I'm requesting for deletion. Attached is proof that these accounts were disputed but never investigate. If the bureaus choose to now try an investigate these accounts I would like documentation and method of investigation and contact information. 
Also attach is my DRIVER 'S LICENSE AND PROOF OF RESIDENCE, with this information and complaint I am giving full authorization to investigate 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 several problems with Transunion, the first problem is the are sending me letters as if I am working with a 3rd party such as credit repair company. I have put in writing that I am not working with no credit repair company, and I am sending the letters due to inaccuracies on my credit profile, and there are refusing to read my letters wasting my time, ink, and money, Second, when calling them, there are still refusing to help me I have over 42 inquires on my credit profile and I am trying to dispute them and they're are refusing to do so giving the run around on the phone and in writing. Then when deal with the XXXX  XXXX bankruptcy they verified as accurate and they used data furnisher, when I have sent letters from courts, and pacer, and credit reports showing inaccuracies, but the still verified as correct. I've been dealing with this XXXX  XXXX since XXXX and all they do is lie and say that they're are working on it, which is not true it's almost XX/XX/2023. I am frustrated and have also have asked for a written signature they have also refused as well, but I guess they didn't received that letter when have certified all the mailed. Attached is all the information, from Transunion and the items I've sent to transunion this has been ongoing problem since XXXX. I am very irate.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2021-07-11
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a secured credit card with TD Bank on summer of 2017. I had to make a XXXX dollar deposit to receive the XXXX dollar credit line. With the secured credit card they advertised to me that after making 6 months of on time payments I would be graduated to the regular credit card. After having the card for 4 years I have not been upgraded and received my XXXX dollars back. When contacting the company and visiting a branch no one can give information about why my account has not been graduated. My credit score has skyrocketed since opening the card ( XXXX XXXX, I have not been late. This type of advertising and misleading to people trying to improve their credit. Customers like myself did not have much money to spare when trying to get this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX, consumer, and natural living person submitting this complaint there is not third party involved. Experian is reporting inaccurate information on my consumers report and I demand that it be moved 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 explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion just sent a response to my second complaint, # XXXX, about their failure to provide my credit score. They have once again stated that I need to pay {$9.00} for the credit score. I paid them {$15.00} for the score in XXXX. They cashed the check. I overpaid what they are asking. I still have not gotten my credit score. No one is listening to a single detail being given here, and I will keep submitting complaints, daily if necessary, to get this simple correction made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Capital One refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
Capital One # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.

Company response to consumer: Closed with explanation