BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX XXXX  you furnished alleged transaction ( s ) on my XXXX, TransUnion, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Without Recourse UCC 1-308

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 2023-08-17
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy. 

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: WA
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 disputed a specific collections account listed on my credit report ( XXXX ) and Experian is continuing to allow them to update the account that is over 7 years old. This company has updated the date the account was opened 3 times and Experian is allowing this to affect my credit. I dispute and then the account becomes worse. The account was opened in XX/XX/XXXX. One of the latest reportings was that the account would drop off my credit in XX/XX/XXXX. Now, it has been updated to XX/XX/XXXX. 

This is hurting my credit in a major way and I have continued to try and resolve and have it removed ( based on age of account and inability to pay balance which was tripled to over {$7000.00} ) Please take a closer look at this concern.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Debt Recovery Solutions, LLC
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: Account information incorrect

Complaint:
After reviewing my credit report, I contacted Debt Recovery Solutions on XX/XX/21 at XXXX XXXX XXXX XXXX to ask for more information regarding the negative reporting by them on my credit report. 
I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 
Description of the information on credit report : Account is in collection and has a {$310.00} open balance. Account was opened on XX/XX/21 ( 4 months ). No name of the original creditor. 
I have checked my records and found that I have not open " ANY '' account on XX/XX/21 including the above mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Block, Inc.
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Last Thursday XX/XX/XXXX I reached out to Afterpay to see why I wasnt able to extend two of my orders exposing I had to pay late rent and my car payment. The order # s are XXXX & XXXX. I endure up speaking to an employee who called me name XXXX XXXX I explained my issue and he reassured me I would keep my MINT Status and he would remove my late payment marking from my profile once I made payment and that I had a 10 day grace period to do so. I am not at my 10 day however on Saturday morning XX/XX/XXXX AFTERPAY stripped me of my tier and a guy name XXXX emailed me saying Its final and they also took away my credit which I have a credit of {$2500.00} with them but I have a balance that I have been paying even after this issue. I have sent several emails to follow up requesting they listen to the call and restore my tier as I was reassured nothing would change they have been giving me the run around and playing email tag. I have been a long time customer w/Afterpay and this is XXXX. I followed the instructions of the employee with also being reassured everything would be OK no changes and they did the opposite I need help with this because I dont feel they are taking me seriously they also closed my card with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: CO
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:
I sent Wells Fargo a letter to dispute /validate an account that is being reported on my report on XXXX XXXX. I have not received any response, validating this account. This account was a secured account, which they had the money in an account " secured '' for any balances not paid. I am concerned as to how they claim I still owe them any money. 
I've attached documentation showing the letter that was sent to them as well as a copy of the credit report that I recently pulled.

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 2022-08-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint through the CFPB in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Chase, thanks for your response and co-operation. In your XXXX response, you explained the information of this loan since XX/XX/XXXX. 
However, I have two questions for you. 
Firstly, this loan has been used back in XX/XX/XXXX by this XXXX XXXX XXXX when Chase issued this loan under my name. 
So please provide the information that pertains from XX/XX/XXXX and after that, like how long did it continue, loan originator, HUD 1 settlement etc. 
Secondly, is there any reason for which you are not following FCRA regulation of posting this to the credit bureau?

Your response to these two inquiries will be highly appreciated. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: FL
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:
Wellsfargo bank. There is no money. Exhibit ( A ) book federal reserve money modern mechanics banks can not lend money. XXXX. Banks take promissory notes and exchange them for credits book keeping entries. Exhibit ( B ) have affadavid all debts are prepaid. This is backed by the American people. Exhibit ( C ) XXXX vs XXXX XXXX XXXXXXXX. XXXX refused to pay his morgage which is a credit swap because the bank put nothing up of value legally called consideration. The bank events the money with bookkeeping entries in a ledger. Sounds like fraud to me. Exhibit ( D ) public law XXXX or hjr XXXX. This happened in 1933 when XXXX took all the legal money away silver and gold and replaced them with XXXX federal reserve notes. The bank needs to zero out this credit swap or we will go to court for law suit. You can do the correct thing or be published on social media. The last evidence I will give you is beat the bankers XXXX video XXXX XXXX video has a cartified forensic XXXX under oath saying all bank loans are fraud credit cards, morgages car loans etc. The bank president also admitted the same. If your judge denies what I am saying since he is a banking agent in your family I will use the freedom of information act request to get his surety bond 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 explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: FL
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 a victim of fraud these accounts are not mine I have sent this information in the credit agencies and nothing has change.

15 U.S.C 1681 section 602 A States 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.

15 U.S.C 1692 B Chapter 4 Communicated by postcard.

15 U.S.C 1692 B Chapter 5 Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692 C Without the 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a new Capital One Quicksilver card in XXXX. After one use, the card was restricted without explanation ( unable to use and unable to apply the contractually promised {$300.00} rewards cash I have already earned ). I had to call in, which triggered a request for identity documents, still without explanation. After providing a passport, social security card, and live ( on phone ) bank address verification with a Capital One and a XXXX agent, Ive still been asked to provide a state ID, which I simply dont have ( and won't be going out of my way to get any time soon given the state of the world ). I was told I would be called back confirming the possibility of unrestriction without state ID, which I wasn't. Calling in again weeks later on XX/XX/XXXX, I was told that in some cases a passport is sufficient, but in my case it is not. I stated that at no point in applying for the card did Capital One stipulate that holding a state ID is a requirement ( to which the agent, in her personal capacity, offered that having a state ID is obviously a good idea ). All this without any explanation and after Ive leveraged 70 % of the credit line - a bit too late if I was in fact a fraudulent a user, which is presumably the suspicion. ( While not trusting that I am who I say I am, Capital One of course requests my payment, seemingly unaware of that irony ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint through the CFPB in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$3300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: AL
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:
The credit agencies keep reporting inaccuracies on my credit file. The student loans date of last active on all three bureaus are inaccurate. The FCRA says, " 100 % accurate. '' Not 10, 20, 30, 40, or etc. 100. I am enclosing a copy of the letter I sent to all 3 bureaus with a copy what is reporting with all three agencies so you can see I am not lying. This need to be removed immediately. I will take legal action because this is not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-08-17
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXXXXXX. 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 XXXX  customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation