BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$230.00}XX/XX/XXXX ( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XX/XX/XXXX XXXX Balance : {$26.00} ALLY FINCL XXXX Balance : {$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 2022-09-24
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$120.00} ; 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MD
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, I am writing to dispute the validity of a debt currently being reported by Midland Credit Management on my credit report. l am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX. There is no contractual agreement between me and the collection agency, and I have not received any verification of the debt 's validity. 

On XX/XX/2023, I received a communication from Midland Credit Management Inc stating that I owe a debt in the amount of {$1300.00}. However, I have not entered into any contractual agreement with Midland Credit Management, nor have I received any communication from them regarding the alleged debt before that date or the original contract as requested. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon my request. I kindly request that you thoroughly investigate this matter and require Midland Credit Management to provide the following information : 1. Documentation of Original Agreement : I request the collection agency to provide a copy of the original contract or agreement, demonstrating that I am legally obligated to pay the alleged debt. 

2. Documentation of Contract/Agreement with Midland Credit Management that I owe the collection Agency this debt. I did not sign any paperwork or contract with Midland Credit Management Inc. 



As of now, I have not been presented with any evidence validating the legitimacy of the debt. Therefore, I urge the CFPB to thoroughly investigate this matter and ensure that Midland Credit Management is in compliance with all applicable laws and regulations. 

I request that any negative reporting of this debt be suspended on my credit report until the investigation is complete, as the accuracy of this information is disputed. 

Please acknowledge receipt of this dispute letter and inform me of the progress of the investigation. I expect your timely response within 15 days from the receipt of this letter, as stipulated by the FDCPA. 

Thank you for your prompt attention to this matter. I trust that the CFPB will diligently address this dispute and ensure that my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Block, Inc.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I have been using Square to process payment for my business and Square stole my funds. My email address with Square is XXXX My funds of {$5200.00} was stolen by Square customer service from XXXX. 

I received email from Square that my funds was available for withdrawal and immediately I received email that someone from XXXX has logged into my account from a device from XXXX hence my funds just disappeared and funds were sent to a bank account not owned by me. 

I sent email to Square immediately about this incident letting them know that I have been hacked and Square didn't respond. This means that the hacker is from Square. 

I have sent several emails to Square support to rectify this issue but they have not gotten in touch with me. I believe that someone from Square logged into my account on XX/XX/2022 to steal my funds and I need my funds back because I have tried to resolve this issue with Square but to no avail. 

I spoke with Square customer support team four times on the Phone about this issue and I was told that I would be refunded. 

On Sunday XX/XX/2022, I got another email from Square that my account has been accessed from XXXX again and that my password has been changed. 

I spoke with Square again and reported this incident but they have not returned my money. 

I need all the funds stolen from my account back. 

I will attach screenshot of email stating that my account was accessed from XXXX. 

I am in the USA, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened in my name online. I received the debit card in the mail today. I have never opened or had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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 my third request to you to remove the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items as they Fraudulent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that the disputed items are accurate and belong to me, I request of you to please send me copies of proof of verification from your investigation. If you can not find any documents to support your claims, please immediately remove the disputed accounts and information from my Credit File 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 2022-09-24
Company: EQUIFAX, INC.
State: PA
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:
Hello this is into claim already under investigation, i apologize but this is case number XXXX and i have postage from us postal i paid for express mail and it arrived to XXXX and Equifax some where around XX/XX/XXXX for both as i will show. I would like to address the lateness of this information and the Law that states under federal law they have 30 days to complete your re-investigation. Be advised i also sent same thing im showing you that the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 day of the completion of your re-investigation. When you see the copy of my tracking information you will see XX/XX/XXXX, would have been 30 days and today is XX/XX/XXXX, and i you the CFPB just said as of today the have 15-60 to get this done. So please add this to the letter i thought also they would be doing the job correctly but it seems they are dragging me along like this whole year. The pics i sent are my tracking information to XXXX, Equifax and the one letter is the same thing to the three collections i was requesting to be verified, just to make clear so you will understand what they have and what i was asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint in regards to the removal of the fraudulent accounts and information from my Credit File. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Also, the Credit Bureaus have been continuing the reporting of the disputed items as verified without sending me copies of proof of verification to support the Credit Bureaus ' claims about the disputed items. Their willful non-compliance with the Federal statute is a clear violation of a consumer 's rights. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the Fair Credit Reporting act section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit file : 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 Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$820.00} XXXX  XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of remaining items in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One XXXX Who I have been a customer with for 10yrs or more decided to freeze my card due to suspicious behavior. They have given me the run-around in my NUMEROUS ( 5 ) attempts to resolve the problem. I no longer afford my own internet and they would not accept the phone I was wanting to use to receive their confirmation # 's. I also changed my address to much issue with the USPO, now resolved ; and they refused to accept my notices of change of address. I have continued to pay off the card, which they have accepted to no avail of a resolution. I even went and made copies of my IA drivers license and sent it with the confirmation code given to me by them. They confirmed receipt but refuse to talk to me as the card owner and tell me what the problem is even about. " the card is smudgy '' They have even recently charged me interest on a paid in full account and refuse to tell me why. I have tried everything in my power and feel harrassed and disrespected by them all in the name of " protecting '' the very person they are in a contractural agreement with. This has taken up hours of my time and I am still unable to resolve this. I dont feel sending my ID in the mail is an option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24
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: Account information incorrect

Complaint:
THIS COMPLAINT SUBMITTED BY XXXX XXXX PERSONALLY THIS IS FOR EQUIFAX 1. XXXX XXXX XXXXXXXX XXXX  has a XXXX available credit with XXXX balance 2. XXXX XXXX had XXXX balance 3. XXXX card is closed since XXXX 4. XXXX XXXX is closed since XXXX XXXX XXXX ( XXXX ) has XXXX available credit with XXXX balance is missing/ not reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX, XXXX, I became aware of a delingquency that was shown on the XXXX credit card account. I contacted the credit union and discussed the issue. I had not received a statement, nor did I receive a notice that the payment was late. They looked into the issue and found that they sent the statement and notices to an address that we had lived at 10 years earlier. They had no explanation as to why that occurred. I immediately paid the outstanding amount. They agreed that the problem was due to their error and sent notices to each of the reporting agencies telling them the problem was on their end and the past due indication should be removed. The other reporting agencies changed the report, but TransUnion did not. I've filed multiple disputes with TransUnion with no results. I again spoke to the credit union representive and she assured me they sent the change to TransUnion. She again said she would send another one which has also been ignored. She also indicated that this is not abnormal for TransUnion. When she has a problem with a reporting agency, it is 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 non-monetary relief
Consumer complaint received 2023-07-22
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, 2022 my Chase XXXX credit card has been charged {$100.00} for XXXX XXXX XXXX. Which I didn't order or buy. I didn't order anything from XXXX XXXX on Internet ever. Also I didn't receive any watches or anything from XXXX XXXX. 
Those charge has been disputed twice with the bank, but both times they tell me that disputed transaction is valid. None info about this transaction has been provided to me. And I don't have any documentation, because I didn't order or received anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
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: Personal information incorrect

Complaint:
Wrong phone numbers listed wrong address and my name is misspell on multiple credit reports

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