BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2022-08-08
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: NY
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:
There is no option for me to select so I had to choose the closest to my issue. But I have an issue with Credit Karma. Foremost, For years, the platform has reported higher credit scores to myself. So accordingly I have applied for loans, financing on a vehicle, as well as applied for credit cards that say I have excellent approval, yet I am turned down. Which brings me to my second complaint : The platform informs me that I have excellent approval odds for a credit card, but when I apply I am denied. Therefore taking another huge hit to my credit score because the card company is running my credit to see if I can be given the credit card. This has been happening to me for the last 5 yrs at least and I cant get ahead because I continue to tarnish my credit with hard inquiries. Something needs to be done about this and I would like some major assistance in some way on these issues. This is a two pronged issue : higher credit scores being reported false approval odds for credit cards that later deny my application causing me to take hits to my credit. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On three different attempts XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX EXPERIAN responded XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same answers each time never addressing IRS VALIDATION OF DEBT ISSUE. I have been challenging the IRS validation of debt issues for a long time until I was informed about, CFPB services. Evidence that I provided. 
I am not the target of IRS liability, CFR 26, 6331 ( a ) levy may be made Officers, employees, or elected officials of the Gov't.. Federal Debt Collection Act 28 USC 3102, 28 USC 3104 ( A ), 28 USC 3104 ( b ) ( A ), court order must be issued and " earnings of a debtor may not be subject to garnishment. Also letter from the IRS Disclosure Office stating that I never had a Federal Assessment establishing a tax liability. copies were included. I asked Experian  to VALIDATE this so called debt according FDCPA Experian never did, brushed me off. I even handed Exp. the official VALIDATION ( my copy ) IRS disclosure Office NO FEDERAL ASSESSMENT and they ignored everything. IRS issues have no legal standing and must be removed at once, EXP. must make me whole.

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 2023-04-06
Company: BOEING EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BECU is unfairly and falsely reporting the same debt/closed account twice. this was just recently disputed and removed by XXXX. Now, BECU has unlawfully reported this again as a new account- for a second time- They changed the account number on a closed account with a balance, I did not open a new acct. an account number change should not take XXXX pts off of my credit again. 

While on my XXXX report this is not currently a problem, on my XXXX report I just had the duplicate removed this past week!!! For the same account, same open date everything. Instead of changing the account reported its being added as a double debt, or new account neither of which is the case. BECU is now FALSELY reporting this duplicate closed account again, and has again been added to my report with severe negative effects on my score and affected my quality of life due to my new low score. This needs to stop- this is a violation of fair debt collection and or fair credit act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this right away. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Here is the list of accounts that needs to be removed : CAPITAL ONE BANK USA N XXXX Balance {$0.00} XX/XX/XXXX ; CAPITAL ONE BANK USA N XXXX Balance {$890.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: IL
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:
Re : Equifax 's That I have Disputed derogatory information on my Credit Report with XXXX, XXXX, and Equifax. That XXXX and XXXX  have made corrections on my credit report and adjusted my credit score accordingly. However, to the best of my knowledge, Equifax has failed or refused to take the same actions as XXXX and XXXX in making the above correction and /or adjustments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Gave a car back which was a lemon surrender the car was told it wouldnt affect my credit paid loan off in a settlement XXXX credit acceptance told me it would be remove still on credit as closed account but need to be REMOVE off credit report really effecting my credit but I paid off loan

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 2021-04-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company Chex Systems XXXX Inc. is reporting an account to my Chex Systems report. This account was reported to Chex Systems without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires companies to send a notice before reporting negative information to credit reporting agencies. 

Source of Information : XXXX XXXX BANK Amount - {$770.00}

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 2023-10-30
Company: EQUIFAX, INC.
State: NY
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
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:
Please be advised that as of today, I have not received any response from your organization regarding my disputes with XXXX XXXX XXXX, Acct. # XXXX. This account is still being reported inaccurately. 

Numerous Follow up letters were sent and still went unanswered. 

Experian is in violation of the FCRA.

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 2019-07-19
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: Their investigation did not fix an error on your report

Complaint:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, 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 explanation
Consumer complaint received 2023-10-09
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2023 : International Money transfer initiated with western union for USD XXXX. 
All requested documents for verification provided during the transaction Email confirmation with XXXX as XX/XX/XXXX ( credited at recipient 's account ) sent by Western Union Money debited from my bank account XX/XX/2023 : No money credited in recipient account. When checked transfer status online said " The transfer is on hold and pending verification from the sender. For details, read more about the verification process. ". 
Contacted western union why transaction was put on hold. 
After calling customer service, the representative confirmed all requested documents were provided by the sender on XX/XX/XXXX, but they had a technical glitch and have escalated internally to resolve and credit money to the recipient account as soon as possible ( with XXXX XXXX when asked ). 

XX/XX/2023 : After XXXX hours, money still not credited, followed-up again and we got the same response. We were transferred to several customer service representatives with no resolution. The last customer rep in this call ( for over XXXX hours ) hung up on us after XXXX minutes of hold and did not bother to call back to give an update. 

XX/XX/2023 - XX/XX/2023 : We tried to call again in XXXX hours for rest of the week, still no update. Same message- we have escalated internally and money should be credited within XXXX hours. 
We have been trying to follow-up for the last 10 days but no resolution or an ETA to credit our money nor Western union is able to confirm where our money is.

Western Union is offering to cancel the transfer but will take around 7 days to refund my money with no clear ETA. 

We are incurring financial loss everyday with money not credited at recipients account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: PA
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:
My personal information was mishandled by the company XXXX Equifax XXXX, which potentially puts me at serious risk along with several millions of other people as part of the recent data breach. Since I can not trust Equifax to sensibly manage my information, I decided to place an initial fraud alert on my credit report using the services of XXXX, a different credit reporting bureau. 
Additionally, I was never personally notified ( by email, phone or otherwise ) by Equifax about the potential risk I was under with regards to my information being included in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX first. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. XXXX  removed the account in XXXX and XXXX  and Transunion was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.

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 2023-10-31
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief