BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
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:
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.

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 inructions 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 2020-06-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill statement from National Credit Adjuster collecting debt I never own. I am not owing this company or XXXX XXXX or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from National Credit Adjuster saying that " is now servicing your delinquent account on behalf of National .... '' I do not have any account with XXXX XXXX. I am not owing this company or XXXX XXXX or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX ( XXXX  ), and when confronted, National Credit produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
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:
I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

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 2020-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This involves an auto loan with credit acceptance corp. In XXXX the vehicle was repossessed. The creditor obtained a judgment and I satisfied that judgement in XX/XX/XXXX. The creditor incorrectly reports an amount past due and incorrectly reports the amount paid on the loan ; this reporting shows an amount past due for the month of XX/XX/XXXX of {$1600.00}.

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 explanation
Consumer complaint received 2018-09-10
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company and all three credit bureaus multiple times within the last 90 days to no avail. I requested information pertaining to the validation of this debt and well as this agency right to collect within the state of Louisiana. They have not responded at all but continually violate my consumer credit rights by keeping this account listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with Transunion and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.

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 2020-09-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account from Wells Fargo for many years. I noticed today that the account was closed without my authorization. This account linked to two of my bi-monthly payroll direct deposits. I was supposed to receive one of my payroll checks today. First, I called the customer service, I was told that the joint member of this account requested to close the account. It was a lie. Then, I was transferred to another person. I was told my account has no activities even though I use it to pay my monthly mortgage and so on. Then, I asked if she was able to help me re-open it as it is their mistakes. She told me once the account is closed, it can not be open again. Since this account was linked to two of my payroll checks. I have to now expect payrolls to wait until Wells Fargo returns the money to them and physically write a check amid COVID-19. My mortgage payment could be also delayed and I still physically checks of this account that can no longer be used. because of Wells Fargo 's unethical business decision.

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 2023-03-03
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I first received an alert from several of my credit monitoring sites that a Comenity Bank just took a hard look at my credit report! I then tried to call this XXXX bank to ask what the XXXX they are doing checking my credit reports and there is no way to contact these people without giving them an account number. I then tried online and same thing. Apparently this is for some type of an XXXX XXXX card credit card that I did not apply for, nor would I ever apply for. I am not sure if this XXXX bank and their tactics are a fishing attempt to get me to apply for this credit card. I take pride in my credit rating and when I loose points for these credit history searches that could cost me in the future from gaining the best interest rates on loans, it XXXX me off. I just received a letter from this bank about this credit card, that they need me to call them within 14 days because they have to confirm some information they do not have. Sounds like fraud or stolen identity fishing to me. I also went thru this situation about 15 years ago when several banks and credit collectors were contacting me about debt that did not belong to me but another XXXX XXXX with same middle name initial. That is what corrected that problem. I am not dealing with these XXXX banks. I just wanted to let you know in case this bank is pulling this XXXX on others, then hopefully they can do something about this. Also tell this XXXX bank to list a service number so I can stop this application for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover card was closed on XX/XX/XXXX for 18 months of inactivity. Because I had never used the card they did not have to notify me in advance of my account closure. Obviously closing a {$12000.00} line of credit will hurt me even though I did nothing wrong except not use my available credit. They should be required to provide notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
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 dont know who this company/debt collector is. I've never signed a contract with neither one of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: MI
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:
Equifax credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
Equifax has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: WELLS FARGO & COMPANY
State: CA
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:
NEW INFORMATION PERTAINING TO CASE NUMBER XXXX My name is XXXX ; XXXX. The XXXX for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. 
First I was threaten and harassed by Wells Fargo debt collections office by email. Which I already filed a complaint about. I have a closed checking account with Wells Fargo Bank that ended up going into collections. I have been responsible in making payment arrangements dating back to XX/XX/XXXX. My most recent payment was XX/XX/XXXX for {$40.00}. I was operating in good faith. Then exactly two weeks later on XX/XX/XXXX I received a disturbing email from Wells Fargo Bank threatening me to pay the debt in full. I filed a complaint on this matter. However the harassment and threats has continued from Wells Fargo. This time by mail. On XX/XX/XXXX I received a threaten letter in the mail repeating the same exact threat as the email I received, Demanding I pay {$390.00}. " To avoid further collection action '' Again, this a threat to me the consumer and my consumer rights has once again been violated. XX/XX/XXXX at XXXX I received a voicemail message from an employee of Wells Fargo XXXX A young lady by the name of XXXX of Wells Fargo XXXX complaint management asking me to give her a call back at XXXX between the hours of XXXX to XXXX. Please be advised that I will not communicate by phone. Only by mail in writing.

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 2017-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has continually placed inquiries on my credit. I have never applied for service with them. After contacting them, they explained they do not use social security numbers so others with similar information applying may cause the inquiry to hit my report. I have disputed the inquiries with them and they have twice sent letters stating they have sent the request to have them removed from my file. I have also disputed these inquiries multiple times with Equifax. First time in XXXX of XXXX. I received an update in XXXX stating they were still working on it. I disputed again in XXXX of XXXX and never received anything. Again in XXXX and still received nothing. Again in XXXX and then received notice in XXXX the review was complete and found to be accurate. I am not sure how when I have letters from XXXX XXXX stating it was reported in error. I have worked really hard to re establish my credit. I have very good credit so there would be no reason for me to continuously apply for service with this company. Especially not when I have lived at my current residence for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and XXXX, XXXX and TransUnion refuse to move fraudulent accounts from my 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 2021-06-24
Company: EQUIFAX, INC.
State: MN
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 a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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: Account status incorrect

Complaint:
On XX/XX/2023 at XXXX pm, an agreement was made with XXXX XXXX, a compliance XXXX for XXXX XXXX XXXX XXXX, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by XXXX XXXX XXXX XXXX and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX pm.

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 2023-01-19
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:
This child support was opened up fraudulently there's no stamp for court use there's no signatures and it's not notarized it's illegal and it says right to a state hearing through judicial but it's only a temporary judge and it says as of XX/XX/XXXX I owe and the other one says XX/XX/XXXX no signatures it shouldn't be on my credit report it's illegal

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 2021-05-23
Company: GOOGAIN, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I have noticed that there were unauthorized transactions on my XXXX account. There were subscriptions to video-game type services from XXXX XXXX that I have never seen before. 3 services : {$190.00}, {$310.00}, {$100.00}. These were subscriptions, so by the time I noticed it over {$1000.00} has been withdrawn. When I checked my account activity for that XXXX account I saw that a device ( a phone ) has been accepted that I have never seen before. I immediately closed the XXXX account filed a claim with them and my bank, XXXX Bank. On XX/XX/XXXX my bank denied my claim due to XXXX reporting the transactions as not fraudulent. A Bank representative told me that XXXX said these transactions were not fraudulent because they had my name and address and all information was correct. All that information was obtained from my XXXX account. My direct deposit from work was associated with that gmail account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EOS Holdings, Inc.
State: NY
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:
EOS CCA XXXX EOS CCA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious EOS CCA XXXX EOS CCA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: DISCOVER BANK
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:
There is a fraudulent Discover credit card on my credit report. I have recently had my personal bank accounts levied with a court ordered judgment by a third party receiver, XXXXXXXX XXXX XXXX attorney at law. My accounts have been wiped out to pay for this fraud. The documents provided to me indicate from XXXX  as to which I was never served these documents of law suit. I am currently at my wits end not knowing what to do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.

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