BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Total Card, 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:
Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with TOTAL XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with Total. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MS
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:
I reported a credit card as lost in XXXXXXXX XXXX XXXX. It is a revolving credit account with XXXX XXXX. The account number I reported lost ends in XXXX. They mailed me a replacement card ending in XXXX. Equifax is reporting I have both accounts active. They are the only credit bureau who is reporting this incorrectly. I have filed disputes on XXXX, XX/XX/XXXX. 
All disputes resulted in them making no changes. They claimed they contacted XXXX XXXX  and confirmed I have 2 accounts, which I dont. I have a letter from XXXX XXXX  stating I have only the one account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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:
Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at Transunion and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.

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 2023-03-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The denial of my credit applications on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Discover >Recent delinquency shown on credit file >Serious delinquency, settlement, bankruptcy, lien or garnishment The information is not only inaccurate, but has no legally-valid basis for consideration in making a credit approval decision. Under 15 U.S. Code 1681, Discover has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Discover Underwriter on XX/XX/2023 to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase bank has returned to an old practice of temporarily overdrafting people 's accounts in order to charge multiple {$34.00} fees and then processing deposits. This practice had been addressed by government oversight authorities and the practice had been corrected, but now with a new administration, they have gone back to their old ways of shafting customers to pad their bottom lines. Even worse, they now deliberately put customers on hold for extended periods of time to avoid speaking with them regarding their complaints. To make matters worse, they left me on hold for 40 minutes and then transferred me over to their system to give feedback on a new person named XXXX who had absolutely nothing to do with the situation. While chase thought they were going to guilt me into giving this representative a good score, I gave all negative feedback for someone who shouldn't have received it. But a point has to be made and is Chase supervisors are fine with throwing line staff under the bus for their egregious behavior, then look to the line staff to expose managements orders and misdeeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-01-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send XXXX last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: GLOBAL PAYMENTS DIRECT INC.
State: MN
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 a victim of identity theft. Theres fraudulent accounts and negative information listed on my Global Payments Check Services , Inc., Consumer Report. The accounts and information is all fraudulent, not mine and dont belong to me. I was just released from XXXX after being XXXX for over 17 years. Review the attached documentation. My consumer report should be clean and positive with Global Payments Check Services , Inc., Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a Certified letter to the collection agencie Calvary SPV I, LLC on XX/XX/2020 Disputing Validation account # XXXX Original creditor XXXX, Calvary SPV I, LLC response was a letter dated XX/XX/2020 and another letter on XX/XX/2020. The acknowledgement of the dispute is receipt and would inform the consumer reporting agencies and fails to investigate and deliver a full validation of the account, Recomending to write again with in 150 days from the date of the letter. 
I then proceeded to request a validation on XXXX  and was removed ,30 day the account was reinserted. 
1-.According to FDCPA if they have not yet validated your debt and still continue to report to the credit bureaus its a violation FDCPA Section 809 ( b ) FTC opinion letter case from XXXX  2-.This account was never reported to XXXX  as Disputed with in 30 days violation FCRA Section 623.

3-.Account Reinserted without notifying in writing within 5 business days violation FCRA Part ( A ) ( 5 ) ( B ) ( ii ). 
4-.A validation on account was not met satisfactory needs FCRA, contract and signature.

I m attaching some of the documents that I have in my possession that support my claims.

My request is that this account that is not mine be Removed from all 3 Credit Bureaus XXXX, XXXX, XXXX.Reason : Defamation, Financial Injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 11 XXXX  XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be 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 non-monetary relief
Consumer complaint received 2023-06-21
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:
On XXXX I submitted dispute letters to XXXX, XXXX, and Equifax for the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three bureaus came back stating that all the accounts were updated and verified. On XX/XX/ I submitted a method of verification letter asking them to provide me with proof that these items were verified and if they were unable to provide that information that I would like the items deleted immediately. All that each bureau sent was an itemized breakdown which is not proof of verification. Reporting these inaccuracies are hindering me from getting employed. Please assist me as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sirs or madam I have obtained my Equifax report, this account XXXX XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s )  This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this. 
The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this. 
The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2018 the representative, XXXX, contacted me after being informed to not contact me and that I would contact her when I had the funds. At XXXX XXXX CST XXXX violated a FDCPA law by providing information about my account over the phone without verifying my account nor insuring she was speaking to the correct account holder.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 11 XXXX  XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX 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 2023-06-21
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 VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. THIS ACCOUNT WAS NEVER MINE. I NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE PAYMENTS ALSO CAME FROM A FRAUDULENT ACCOUNT THAT AGAIN WAS OPENED FRAUDULENTLY. I DON'T KNOW WHO THIS PERSON IS, BUT I NEED THIS ACCOUNT TO BE REMOVED. I HAVE CONTACTED THE BUREAUS AND THE CREDITOR, I HAVE GONE TO THE FTC BUT NOW I HAVE NO CHOICE TO GO TO SMALL CLAIMS COURT, BECAUSE THIS IS NOT MY ACCOUNT, IT WAS NEVER PAID BY ME, IT WAS NEVER OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2020-07-17
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: Investigation took more than 30 days

Complaint:
Hi. I need some help. I was the victim of identity theft a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi. I need some help. I was the victim of identity theft a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. Thank you.

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