BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked.

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2020-09-17
Company: Experian Information Solutions Inc.
State: NE
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 submitted my FTC Identity Theft Report and a letter requesting the block of my information multiple times since XX/XX/2020. 

I have uploaded them, uploaded them to disputes and faxed and I mailed a copy on XX/XX/XXXX. 

To date the request to block the following accounts have been completely ignored when other bureaus have corrected and blocked per 605b FCRA : Collection Account XXXX XXXX XXXX   {$980.00} XXXXXXXX XXXX charge off LAI800- {$2500.00} XXXX XXXX XXXX chargeoff

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 2023-10-13
Company: EQUIFAX, INC.
State: NE
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XX/XX/2023

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 2016-12-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
eqifax optain information from XXXX of tax lien, i ask for a removal of that account, account is satify with o balance they refused to removed count do not report to credit burea

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8500.00} -This is not 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 explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This company is harassing my family about my loans. They declined to work with me when I lost my job. I called in XXXX to try to make a plan to help pay for my loans while I was unemployed and they refused to help. Since they wouldn't work with me, I was unable to pay them for 3 months. Now they are harassing my sister with phone calls. I never gave them her phone number and I have no idea how they got it, and that is VERY disturbing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
first this XXXX  XXXX XXXX XXXX in XXXX they reported on my credit files, After i file complain in XXXX with CFPB ( File number XXXX ) because i do not own this debt they removed this reported from XXXX amount and then they removed from my credit file, Now this new debt collection agency Common Wealth Financial system trying to collect same debt ( {$1300.00} dated XX/XX/XXXX ) which i don't own, They reported on my credit file i like them to immodestly remove negative information from credit file from all 3 credit reporting agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved from a home and left the property in better condition than received. Pictures from before the rental and after were provided. Receipts for cleaning were provided. However, they are still claiming over {$2000.00} is owed in cleaning and repairs. Their claim is completely without merit and they have told me that they would report to the credit bureau by the XXXX of this month if debt not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
the creditor access my credit report multiple times without my approval.

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 2019-06-06
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
This complaint is in regards to the MileagePlus GO prepaid card offered by NetSpend. Not only did NetSpend tried to charge me the {$85.00} annual fee TWICE before even using the card, but the I've earned XXXX XXXX miles last month and it was never posted to 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 explanation
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
After I complained about Pay pal the month of XXXX charging me all these late fees after I sent payment. I received an email that my account was suspended from Paypal. As I look at my account Pay pal did not but how much I owe for the month of XXXX either nor did they send me a bill. 

I received the first bill from Pay pal credit XX/XX/2020 that I owe XXXX for the month of XXXX XXXX. Then I looked in my account on the internet and found that they put as if I missed a payment on XX/XX/2020 for {$91.00}. 

Pay pal is conducting fraud and then charging extra fees to enrich themselves. I want to file a fraud complaint against them as they are misleading me that I didn't owe anything for XX/XX/2020 and malicious intended to suspend my account in XXXX and don't put I owe anything and later implement late payments. In addition, never sent a bill and I received the 1st bill ever on XX/XX/2020.

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 2021-08-17
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One Bank # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.

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 2023-06-23
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:
I received a letter on XX/XX/XXXX, stating Identity theft Notice. So did not know what to do so after researching I'm stating to take action with this identity theft. I had been going in and out of the hospital for sometime now and early XXXX I was hospitalized most of the time and during this period is when I think my identity was stolen because I just checked they are many credit cards opened one after another with some of them having high balances, and I also have a loan under my name around the same time the credit cards started showing up in 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 2019-07-23
Company: Atlantic Recovery Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receive weekly calls from, as per caller ID : XXXX. A recorded identical message is heard each time, " this is your final notice, etc ''. call XXXX ( Atlantic Recovery Solutions ). Failure to do so shall result in legal action ... ... .... The activity has been going on for several months. My wife, son and I, all with the same last name have been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm contacting these agencies in regards to credit misrepresentations, there's collections on my report inwhich even the orginal account has been removed due the investigated accounts not being mines. So the collections themselves must also be removed, in order to satisfy the language in the FCRA, the dates to reflect them accounts are as following ... XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a 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.

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 requested several times how both XXXX and Transunion claim to have verified the accounts listed below which are not my accounts not did I open them. All I ever get is the same templated latter stating verified but I asked to whom they spoke with and when etc., but I never get that requested information. I also asked for a notarized letter from them stating they information they provide is true but have yet to receive that either. 

In accordance with the XXXX XXXX XXXX XXXX the information provided has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in question : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account 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 2019-06-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2019 I received a phone call from " XXXX '' with XXXX XXXX XXXX XXXX at phone number ( XXXX ) XXXX claiming to have the ability to consolidate my federal student loan, forgive all interest on the loan ( and only pay on the principal amount ), and have payments as low as {$39.00} a month based on income. Questions were asked including : " is this X person I'm speaking with? '' " Can you confirm that your email address is X? '' and " Can you confirm that your birthdate is X? '' I did not confirm nor deny any of these questions and used that language. This " XXXX '' person was very pushy and told me he can only help me if I help him by answering his questions. XXXX was then told that I would not be answering questions for information he already ( supposedly ) had access to from the federal government. He then apologized for taking up my time and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against Credit Corp Solutions for multiple Fair Debt Collection Practices Act ( FDCPA ) violations. Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : XXXX. Unauthorized Debt Acquisition : They acquired debt from the original creditor without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XXXX XXXX XXXX, I sent a written request to Credit Corp Solutions requesting verification of the alleged debt they were pursuing against me. However, the agencies failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Credit Corp Solutions, I explicitly instructed them to cease communicating with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued collecting efforts, including phone calls and letters, disregarding my rights under the FDCPA.

Company response to consumer: Closed with explanation