BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2018-12-14
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 asked XXXX, XXXX and Transunion to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect. 

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party. 
4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer? 
The continued reporting breaks the law. I want this information DELETED.

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 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CRA is in violation of several consumer protection laws, FCRA, FDCPA. FRANK DODD ACT,  XXXX XXXX COMPLIANCE, ETC ...

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 2021-02-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase sent a document " Important Changes to Your Account Terms '' raising the penalty APR to XXXX XXXX  and imposing XXXX fees for late payment and return payment in addition to the Penalty APR. I called to protest that these are outrageous terms. Apparently, I have no choice but to accept them or close my account. In discussing the matter with the representative, he stated that Chase had to raise these charges to encourage people to make timely payments, given the number of people not paying on time due to the COVID-19 situation. I find this absolutely outrageous. Chase is adding to the misery of people who are out of work through no fault of their own. Appalling. You people need to get involved to persuade Chase to be a better corporate citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: TN
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached to this you will find my photo ID, and a PDF bank statement showing I'm me, as proof of address.

Inquires : XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX VISA XX/XX/2019 XXXX   XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23 I have received the letter from Afni , Inc, Reference : XXXX regarding {$240.00}XXXX XXXX I owe to XXXX XXXX, acct. # XXXX. I don't have any XXXX XXXX account. The account I had was closed year ago, one week after it was opened and equipment was sent back. I checked all my billing statements and there's no any existing balance from XXXX XXXX. That's harassment and fraud and it effects my credit records. I'm requesting that problem to be corrected immediately, because, as I mentioned, it effects my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANSUNION IS IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 just received the results of an investigation I had for my kohls department store card. XXXX I feel did not do a proper investigation. This account was never paid late in XX/XX/2017 yet it is showing as an adverse account on my credit report having this wrong information is affecting my credit score. I have been disputing this for months now I spoke with kohls awhile ago and was assured it would be rectified with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Reliant Capital Solutions, LLC
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I " applied '' to a university and was denied, there is no debt. I will NOT verify my personal information with this company as it will result in more attempts. Received an email XX/XX/2019 stating that I owed money. 
Current Balance : XXXX As I stated, I filled out an application years ago, but was not able to obtain any funding and did not take any courses with any university. I attended college back in the XXXX and all the bills were paid. No other university in my state was ever contacted, nor did I enroll to take any courses in my state from any organization, college, or university.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried calling Capital one today and I was kept on hold long. The second time trying to speak to a supervisor. I have auto pay and never are late. I have this account for years. I went online to see my bank account information, it is there XXXX XXXX XXXX ending in XXXX but for the past two months they took it from XXXX XXXX. I changed my bank information but they did not take the payment from it. I am never late now they charged 2 {$38.00} fees plus it is on my credit report past 60 days!. When my credit history paying with them is perfect as well as others. They called me for the first time 60 days later. I moved so I did not receive a letter, but they never sent email either. Why did they wait so long to contact me to resolve it. I attached the proof Im on auto pay and the only external bank account XXXX. I also sent copy of my bank account balance which has more than enough money to pay it. And a copy of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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:
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-04-10
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PORTFOLIO RECOVERY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: ADP Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Outstanding personal property tax bill ( XXXX XXXX VA ) from previous county of residence paid in full on XXXX. After locating original bill with " paid in full '' receipt from personal records and subsequent call to County of XXXX it was uncovered that the County had, on several occasions, attempted to notify ADP of corrected status in XXXX and XX/XX/2021. 
Subsequently, XXXX sent a notice of wage garnishment on XXXX ( per attached letter ) and received on Friday XXXX ( at my home address ). Document stating that a tax levy order was submitted by County of XXXX ( after my personal investigation ) on XXXX. Funds were garnished from paycheck in the amount of {$240.00} on XX/XX/2021 as evidence by paycheck stub. 
Call to XXXX county to review paid receipt and confirm " closed account status '' clarified the issue and prompted a call to ADP to uncover root-cause and initiate process to return payment of " double paid '' account. ADP Representative was briefed on situation and instructed me to call XXXX County to have someone call ADP to " release the request. '' A brief albeit respectful instruction was made to initiate resolution in real-time via conference call. Per both agency 's I am due a full refund and so have copied my current employer 's payroll department to close the loop. I will continue to follow up until an acceptable refund and resolution has been completed. 
I understand the importance and necessity of collecting funds due and the limitations and challenges that the pandemic has created. These challenges do not negate the absolute importance of appropriate and timely connectivity and communication. I have recovered a detailed timeline of events as well as documentation that I am willing to review on any further follow-up or formal investigation as the information reveals quite a bit of sensitive personal data. Thank you for your assistance. 

Letters and names of individuals from both ADP as well as the County of XXXX will be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have invalid accounts reporting to my credit report I have tried to solve this many times with the company both bureaus and the creditor. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I XXXX XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to XXXX XXXX & Capital One its United States affiliates ( collectively, XXXX XXXX Capital One we, us XXXX our ) I consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using XXXX or Capital One services or websites. 
I recently reviewed a copy of my consumer disclosure and noticed XXXX or Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing information that is to be excluded from a consumer report. 
A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and person making the report. 
XXXX or Capital One is not authorized to collect, use, and share information about financial accounts such as outstanding balances, late payments, loan history and any other highly restricted financial and personal information under the Gramm-Leach Bliley Act ( GLBA )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX XXXX was deleted from my Equifax Credit Report on XXXX 2016. I checked my XXXX XXXX reports and those XXXX accounts are reporting once again. This is a back and forth problem with the credit agencis it should be some kind of rules and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Step 1 : What is this complaint about? Additional interest, fees, expenses and charges added to original debt Step 2 : What type of problem are you having? Payments had not been recorded, in payment history of collection agency, XXXX XXXX XXXX. 
Step 3 : What happened? I did not know when the bill was headed over to collection Step 4 : What  company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act was passed by Congress in 1977 to protect consumers by making some debt collection activities illegal What if the Amount Is Incorrect? 
In general, collectors may not add interest, fees, expenses or charges of any kind to the original debt. However a collector may charge an additional amount if :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Information belongs to someone else

Complaint:
I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.

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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Capital One Bank has not deposited my Direct Deposits into my account. Apparently there is a technical issue, but I did not hear that from Capital One, I XXXX the issue. I have payments not going through due to insufficient funds. My Mortgage, my car payment, my loans, my credit card payments. This is a huge issue and Capital One was not helpful at all. Worst customer service EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Byrider Franchising, LLC
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 information incorrect

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation