BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : DEPTEDXXXX XXXX Balance {$0.00} ) Collection : US DEPT ED XXXX XXXX {$310.00} ) XXXX XXXX Balance {$120.00} )

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 2021-02-17
Company: Santander Consumer USA Holdings Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
SANTANDER CONSUMER USA is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with SANTANDER CONSUMER USA. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with SANTANDER CONSUMER USA for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: CA
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:
Hello I previously submitted a complaint but nothing has been solved and this fraudulent inquiry remains on my credit report. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. A unauthorized inquiry remains on my credit report. 

My previous complaint # is XXXX An credit inquiry from XXXX XXXX XXXX  on XX/XX/2022 showed up on my credit report that I did not authorize. I have contacted the business on XXXX, XXXX, XXXX  with no resolution. I have contacted the credit bureaus ( Equifax ) on XX/XX/2022 with no resolution & again on XX/XX/XXXX and XXXX. They requested identification, confirmed receipt of it and still have not removed the inquiry from my report. 

Equifax says I must submit a report with the FTC but FTC directs me straight to cfpb so that is the only complaint I can submit. Please help me resolve this issue in getting fraudulent information off my credit report. 

The tracking number to my identification and complaint was sent via certified mail and delivered on XX/XX/XXXX is XXXX and XXXX Ive attached all supporting documents and I've attached my identification documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I acquired a new credit card with Capital One. Using Capital One 's online service, I initiated a transfer of a balance of {$1200.00} from another card to my new Capital One account. A few days after the transfer showed that it had posted to my new Capital One account, my other credit card still had not been credited. I contacted both my credit union, where I had the older card, and Capital One to inquire. I discovered from Capital One that the transfer was done electronically, but the physical address attached to the transaction ( for verification purposes, I assume? ) was for an address I did not recognize. I asked my credit union about this address and was told, after some investigating, that it was for a bank in XXXX XXXX in no way associated with either my credit union or the credit card I have through my credit union. My credit union informed me that it was highly unlikely the transfer ever would be completed because of the incorrect address. When presenting this information to Capital One, customer service representatives were contradictory and refused to cancel the transaction at my request. They agreed, at best, to initiate an investigation and told me it could take up to 30 days. They could not explain how an incorrect address was attached to the transaction, not would they credit my account while their supposed investigation took place. I'm nearly a week into this process and carrying a {$1200.00} balance on my new Capital One card for a transfer that never happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transunion enclosed is a copy of reinvestigation that account removed from my credit report sent to the CFPB in a response please remove this account XXXX /XXXX XXXX XXXX this is not a dispute but to send you actual facts this account is to be removed after reinvestigation was done. enclosed is a legal statement of fact response to a Goverment agency on this case

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 2021-07-15
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, BLAKELY WITT & ASSOC. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, BLAKELY WITT & ASSOC. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: National Enterprise Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls from National Enterprise Systems trying to collect information on someone else. They have called my daughter and mother also trying to get information. We have no debt with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 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 2018-07-12
Company: SYNCHRONY FINANCIAL
State: CA
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:
Hello, I had a credit alert on my XXXX XXXXXXXX account. 
A company called XXXX XXXX XXXX did a hard inquiries on me and was done on XX/XX/XXXX. I have never opened account with this company at all. It states it will be removed from my account in XX/XX/XXXX. It has brought my credit score lower. I want this XXXX XXXX XXXX taken off my account.

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 2017-10-23
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
. Here is the Needed Information. 
XXXX XXXX, XXXX I went to XXXX at XXXX pm as usual for a work day. 
- unauthorized transaction occurred at XXXX and XXXX XXXX western union transfers to the XXXX occurred. These were transaction XXXX for {$980.00} and XXXX for {$990.00}. They were picked up at XXXX and XXXX. 

XXXX XXXX, XXXX around XXXX I woke up from sleep and saw the transactions in the email. I called western union to stop them. They replied it went through and was picked up in XXXX city. They recorded my immediate dispute as # XXXX. They said to file and internet fraud report at 1c3.gov. 
- I filed the fraud report at ic3.gov. 
- I called XXXX XXXX XXXX They said the hackers they to send a third transaction but the card locked up. I sent dispute message to XXXX XXXX. 
- I messengered XXXX XXXX. 
She said she was at work at the pick up time and lives XXXX hours away from XXXX. I had sent her {$50.00} for XXXX XXXX on XXXX XXXX, XXXX - I called Western union and asked for verification who picked up the money. They said they would not release the information. They would not tell me the Ip Address of who access my Western Union Account. This would only be released to the police. 
- XXXX XXXX acknowledged at XXXX am that I spoke to the security via message. 

I have used Western union several times. The most sent in XXXX years was {$200.00} in a single transaction. Only once did I transfer money to the XXXX and that was {$50.00} on XXXX XXXX, XXXX. It not realistic with in past practice of spending that I would send {$2000.00} total in the middle of the night to the XXXX. That should have set off the fraud alerts. I got a call from the XXXX hotline this week about a {$30.00} XXXX bill and not these transactions? It does not make sense. 
Western union does not have XXXX factor authentications, security questions, automatic lockout, ip tracking, unique login name or phone security codes which would have alerted Western union and me that hacking was occurring. My credit card is on file visible to the hackers. All these need is my email which is readily on online. They can use a password cracking software until successful. The XXXX digit id number can be tried at other sites until successful. Western Union does not allow the customer to set a maximum transfer limit to require a phone call if it needs to be exceeded. 

I will be glad to take a lie detection test if necessary. I called all parties immediately in the middle of the night once seeing the transfers. I did not make these transfers and would like my money back. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an alert from my credit bureau saying tha t JC Penny Synchrony Bank reduced my credit limit from {$2300.00} to {$1000.00}. I called the company and  was told to call the credit bureau because they are the ones that reduced my credit limit. I had a  XXXX  balance on the account and I had  a higher credit score now versus whe n I actually applied for the card. There had not been much activity on the card by my own choice. There was no reason to reduce it. I have closed the card as the representative I spoke to was so rude to me. I do n't think the bank should be able to get away with treating the customers like that.

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 2017-06-29
Company: SYNCHRONY FINANCIAL
State: VA
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:
Th SYNCB/BELK account that is reporting on my credit profile is not my debit. The account was sold to XXXX XXXX. The XXXX XXXX, cased was dismissed in the County Court in XXXX County, Florida because the signature did n't match. <P/>The CASE NO : XXXX ; therefore this FRAUD debit should be removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
My name 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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon traveling as a XXXX i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in 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 2017-07-01
Company: EQUIFAX, INC.
State: OH
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 did not ask for a security freeze to be put on my credit The problem is the verification/validation Equifax did not verify the XXXX XXXX collection and XXXX XXXX. account on my credit. XXXX is not a valid form of verification. XXXX XXXX and XXXX XXXX is third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the Equifax representatives are not allowed to call the creditors nor the collection agencies. I sent Equifax a method of verification form that was never filled out.. Once again XXXX is a web based automated system the Equifax use . That is not verifying this account. I will be contacting the president of Equifax XXXX XXXX XXXX if these accounts are not removed immediately. The accounts not verified nor validated are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: TN
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 was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
my complaint is in regard to my account with the XXXX XXXX through XXXX Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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
Consumer complaint received 2019-09-10
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to an urgent care to get my back checked out. The place happily took my {$50.00} copay and saw me for 2 whole minutes. I was told there was nothing the doctor could do for me and sent me along my way. Then they repetitively called me telling me I owed money when they didn't provide a service to me as an urgent care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has refused to update a correction made to an account with XXXX XXXX XXXX. There were 6 consecutive late payments added to my account which lowered my FICO score from XXXX to XXXX and I was denied credit due to the inaccurate late payments. With a complaint filed with FDIC, XXXX XXXX corrected the error, crediting all fees and sending a statement reflecting that the account will be updated with all bureaus to show Closed by Consumer and 100 % payments made. 

Transunion did not properly process my dispute in XX/XX/2020 and replied on XX/XX/2020 that the negative reporting was accurate, in spite of a letter from XXXX XXXX and the FDIC which verified that the account should be reporting positively. 

It has exceeded 30 days since filed the dispute and I was required to send in copies of the FDIC letter and the document from XXXX XXXX  which clearly states the account has been corrected. 

I called XXXX XXXX  today and spoke with an internal billing manager and he said they have not received any disputes from Transunion or notices that I was disputing the account. The rep explained that Transunion, XXXX, and XXXX  received the updates on the same day in XXXX and the account should have been properly reported at that time.

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