BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these illiterate, incompetent idiots that have no clue what great customer service ethics are. My XXXX XXXX has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from TRANSUNION ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.

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 2021-11-20
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency is attempting to collect a debt but is not licensed in my state ( Georgia ) to operate as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO REDUCE MY CREDIT LINE FOR MY AMAZON STORE CARD FROM XXXX TO XXXX. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY AMAZON ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ON ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP QUICK. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH DISCOUNT TIRE TO PAY THE ACCOUNT. BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY AMAZON ACCOUNT ONLY FOR EMERGENCYS AND XXXX. I HAVE NOT CHARGED ANYTHING ON MY AMAZON CARD IN 6 MONTHS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE. I HOPE YOU CAN HELP. THANKS

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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

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 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My APR went from 17.24 % XXXX of XXXX to 30.15 %. At this rate i made payments up to XXXX of XXXX with that hi APR. Since then I have been trying to change the rate by either thru Calling there main office or writing via E-mail and XXXX. 
Then i stopped paying which in turn they Destroyed my credit score. I am talking to Deaf ears..they just want the money and in 6 months they say they will review my credit again.. 

Originally this dispute started when my credit card invoice would come to my house and the due date would be the following week, which by the time they received it i would hit with late fees.. after the 3rd one the APR jumped to 30 % ..i have been calling them almost ones a week and being on hold and talking with them for Hrs.. 

I need to straighten this out because it has destroyed my credit ... all my cards, mortage etc etc have always been paid on time ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
Subject : Fair Credit Reporting Act, Section 609 Dear TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX  ( Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, 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 2019-12-13
Company: Ability Recovery Services, LLC
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:
I have disputed info with this company and it was removed by XXXX XXXX that I owe them nothing.Well I got an alert and contacted XXXX  this debt XXXX has reappeared as new collection on my credit as it came off last week plus this company told me I would have to get it removed that they disnt do that.please help me get this company to again remove this fraud from all of the credit bureaus.every time I get fixed they reappear. This is affecting my health to the point I'm going to have a nervous break down.please help me with this immediately today.its important as I have to be at the bank and its awlful I have to repeat what I've had to endure for two years now.please make them remove all there info from my credit report and leave me alone please.thanks.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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 - XXXX  XXXX Account - XXXX XXXX XXXX Account - XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX XXXX Account - XXXXXXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX  XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX  XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX., report number # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly a balance of {$14000.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and this line item has a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. This incorrect reporting of a balance is harming my credit score and this line item needs to be reported correctly. I have contacted the bureau to fix this however, I have not been successful.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam 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 Commission 's IdentityTheft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have written both XXXX  and experian about this and no one has even responded 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 XXXX  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 an 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 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 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX and XXXX have already removed an account in collection from XXXX XXXX XXXX. I have spoken with collection agency on Tuesday XX/XX/XXXX and they have confirmed this has been paid and account balance is in XXXX. 

XXXX XXXX XXXX XXXX  Collections Account Removed This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement. 

Experian On your previous report you had XXXX collectionnow you have 0. This usually means that your collection account has aged off your report, or it was removed as the result of a dispute. 

Only Transunion is showing this as not paid and needs to be updated and removed from my credit score

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 2023-03-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I sent a wire wire transfer of {$20000.00} to XXXX XXXX XXXX at Chase Bank XXXX  XXXX, OK. Copy of Wire Transfer attached. The office of CFPB helped me recover {$19000.00} of the {$20000.00} that Chase Bank had refused to return to my Checking Account at XXXX XXXX. The CFPB case number is # XXXX. The {$19000.00} was credited to my Checking Account on XX/XX/2022. Document attached. I spoke to XXXX XXXX XXXX XXXX, Relationship Banker at Chase Bank and asked about the additional {$830.00} that is still unaccounted for. He advised me that Chase Bank was withholding this amount for tax purposes and that I would be receiving documentation for this amount or that Chase Bank might return the amount to XXXX. As of today, XXXX XXXX, I have not received any tax documentation nor have I received any explanation for not returning the {$830.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has not applied payments to my account that was made by the save the dream HAF program. Causing my account to be deliquent. The payments were made on XX/XX/25 via electronic check Batch # XXXX in the amount of {$6700.00}. They have had more than enough time to apply the payments but fail to do so. Instead they are reporting deliquent status to the credit bureaus. I have spoken to Save the dream and they said the status they show is paid and these are government funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from Wakefield and Associates on Saturday but missed it. I called back this evening on XX/XX/2023 at approximately XXXX. The agent I spoke with said they were attempting to collect a medical debt. I explained that I had previously asked to be contacted by mail only. He became combative and spoke over me and said if I didn't pay the debt, my credit would be damaged. He kept asking me if I wanted to take care of the debt or not. I told him the conversation should be over since I've ALREADY requested to be contacted by mail only. He said they'd already sent me a letter and until I paid it, they would keep calling. When I insisted my rights were being violated, he kept talking over me and saying I needed to pay the debt. I asked for a supervisor and she came on the phone after a couple of minutes. Her name was XXXX XXXX. I spoke with her and told her how the call had gone so far. She said they updated my account 's notes and I will only be contacted by mail going forward. However, my rights have been violated since I had previously requested this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: VA
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'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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

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