BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello CFPB XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX This is concerning a Bankruptcy that still remains on my credit report. I sent them information from the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF OHIO  The clerk of the court sent me a letter stating that U.S. Bankruptcy Court does not report case information to credit reporting agencies. These reporting agencies independently access this public information for their use. They told me originally that this information was reported by the U.S. Bankruptcy Court and that's the way it's reading on my credit report. Know they are trying to say it was reported by public information how is a Third party reliable and or honest. They were originally contacted about this in XXXX of 2021 and so was XXXX XXXX and Equifax. XXXX  received the same letter and in less than 30 days they sent me a letter in the mail stating that they couldn't verify this information and removed it immediately. I sent XXXX  and Equifax a copy of the letter and a copy of the letter from U.S. Bankruptcy Court and know they are still trying to say that the Bankruptcy has been verified by the source If I'm not mistaken the only source is the U.S. Bankruptcy Court so how is that so. I also requested for them to send me a copy of who verified this information and they refuse to send me the requested information who verified this Bankruptcy.

So if it was verified why can't they send me the information as to who verified it. My question is how can they have it both way first they say it The U.S. BANKRUPTCY COURT that reported know they say it's public information. That don't make any sense how can public information report itself don't make any sense at all. Why are they allowed to put information on a credit report and LIE about it. So if they are lying about who put it on there than it was put on there illegally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am writing to dispute the following information on my credit file. I recently reviewed a copy of my credit report. The credit report showed credit inquiries that I did not authorized. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I authorized it in writing. Please have these inquiries removed from my credit file immediately. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of these the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-04-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CREDIT ACCEPTANCE CORPORATION
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:
while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.credit acceptance {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. XXXX XXXX XXXX {$910.00} date open 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 explanation
Consumer complaint received 2019-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent Certified Mail a dispute to Portfolio Recovery and to request validation under FDCPA. I asked for additional items to be provided. On XX/XX/XXXX I received a response stating this account was sold to them and they included their electron file stating a balance of {$1000.00}. They failed to provide enough information to validate the debt. on XX/XX/XXXX I sent them a certified letter stating they have failed to validate debt. They have not provided any of the information I requested nor did they provide a signed contract showing my liability. They have not provided proof that they are authorized by the original creditor to collect on this alleged debt. On XX/XX/XXXX they Responded with additional attachments to support their validation. The attachments were copies of the credit card bill which does not validate this debt. The billing statements they included are dated for XX/XX/XXXX & XX/XX/XXXX yet they are reporting that XX/XX/XXXX these items were placed for collection. They are reporting to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello, I submitted a payment to Bank of America for my XXXX  XXXX credit card through my credit unions billpay on XX/XX/XXXX for {$700.00}. On XX/XX/XXXX, Bank of America debited my checking account on file ( from previous payments ) without my authorization for {$700.00}. I called Bank of America to notify of the error and dispute to have this double payment/double debit to my account resolved. I was notified that I would receive a credit/refund of this double payment in 5-10 business days. in this process, my credit union memo-credited me {$700.00} in the meantime until the refund was received. XX/XX/XXXX, 7 full business days later there was still no credit from Bank of America so I called to confirm of refund of double payment. Was notified by a separate employee that I did not provide a checking account number so no refund would be issued. I notified the employee that in my previous call on XX/XX/XXXX that providing an account number for refund was not given to me as an option. I was notified a check would be mailed within 5-10 business days. Gave employee checking account number for credit to once again be credited back to me from double payment made on Bank of America 's behalf without my authorization. Was notified this time, that the credit would be issued within 15 days ( by the latest date of XX/XX/XXXX ). My bank retracted the {$700.00} memo-credit to my account so I have still not been credited back for an un-authorized debit to my account by Bank of America for a double payment to this credit card account. This is a violation of my rights as a financial consumer as well as a Federal Regulation E violation. Regulation E ensures that the day a consumer ( myself ) verbally notifies the financial institution they have 10 CALENDAR days to notify of resolution with an absolute maximum of 45 days IF provisional credit has been made and I received error resolution notification within 2 days. This is a disgrace as a provider of financial expertise as well as a disgusting practice. It has now been 27 calendar days since my original notification of error with zero resolution from Bank of America and I have now been shorted {$700.00} wrongly with no sight of resolution.

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 monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is an ongoing issue that I've been trying to rectify since XXXX of 2021. The XXXX credit bureaus XXXX XXXX, Equifax, & XXXX are violating my FCRA rights and violation of XXXX XXXX compliance in which how they are reporting, I've done my extensive research on this compliance. I've called, and sent letters on several occasions. Please review my letters attached to this complaint where I clearly articulate where and how my FCRA rights are being violated & how they're not in compliance for XXXX XXXX and how its causing extreme HARDSHIP to myself and families livelihood due to these COSTLY mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Factual Data Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXnquiry from XXXX XXXXXXXX, 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 2023-11-18
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX # XXXX, XXXX XXXX L # 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
Consumer complaint received 2018-11-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018, I made a MoneyGram transfer fron XXXX XXXX XXXX to XXXX. 
I was very disappointed with the Exchange Rates. 1 TTD = 2.944335 HNL This is the second time I've used there service and until this issue is fix It would be my last. 

I did call MoneyGram and they said that the exchange rates generated automatically and they couldn't do anything.

Notes : Exchange rate in the Internet 1 TTD = 3.59 HNL Other money transfer companies 1 TTD = 3.5648 HNL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My XXXX credit card was stolen from my mailbox along with other pieces of mail on XXXX while I was on vacation, they activated my XXXX card and tried to purchase something for more than XXXX $ at target and I guess the card declined so they applied for a target credit card, not sure the date sometime after XXXX and XX/XX/19 which is when I received a letter in the mail stating they denied my credit card application because I was already approved for XXXX because they sent me another letter in the mail with a credit card, I called target to ask what their policy was for applying for credit card and they said all you need is an ID to apply but when I called the target credit card they said you need your social security number so someone opened up a credit card using either my social Im assuming for target which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX Balance Owed : {$810.00}, XXXXXXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX  XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance Owed : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-02-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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: Account information incorrect

Complaint:
Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX balance since XXXX XXXX, yet XXXX XXXX has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. XXXX is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. XXXX is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that XXXX XXXX has a XXXX   balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. XXXX still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.

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 2019-06-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello Dear CFPB I have XXXX Reward with Barclays Company since XX/XX/2013 and with limit XXXX and wanted to have credit limit increase but was turned down which is very unfair in my opinion because i have great credit almost no debt base on XXXX  XXXX and XXXX XXXX. I do not want to put charges on my card because i will max out my card. I spoke with manager. XXXX Employee Id number XXXX and also was truned down. I want to use card and earn rewards.

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 2021-08-08
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 2021-04-28
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:
XXXX XXXX appears on my Experian report. I disputed and also sent a certified letter to the XXXX XXXX address online for validation and verification of this debt that I have no knowledge of. I requested the following from XXXX XXXX and did not receive any of the documents. 

1 ) Why the collector thinks you owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

2 ) The amount and age of the debt : Ask for a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

3 ) Authority to collect the debt : Ask whether this agency is licensed to collect debt in your state.

When disputed online with Experian, they said XXXX XXXX  validated debt, but where is this documentation? I have seen nothing.

I want this removed from my credit history, which is in the 700s.

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