BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the account number as 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 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Inaccurate Information is being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it XXXX, XXXX and Trans Union have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX must remove the accounts listed below : 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 2018-09-23
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a 100 % XXXX Veteran and was told that my student loans were going to be discharged. I looked at my credit report and still see a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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:
XX/XX/17 I received XXXX XXXX credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/17 to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX XXXX XXXX Ref ending # XXXX. I contacted XX/XX/17 to report identity theft. I received another letter dated XX/XX/17 to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/17 to report identity theft. XX/XX/17 Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/17 pulled credit report, submitted fraud alerts with all XXXX credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/17 Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXXccount # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-06-14
Company: CONTRACT RESOLVE GROUP LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This man, XXXX XXXX of Contract Resolve Group LLC has conveyed all my business to an employee of my company. He has made threatening telephone calls and emails to my landlord, the City Health Department, and continues to place telephone calls and texts to me after being told numerous times not to contact me. He is abrasive and goes out of his way to contact external parties to taint my business relationship ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Webcollex, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have lost my wallet several times through out the years and XXXX day I got checks in the mail from XXXX XXXX on an account that I never opened. At the time I was not monitoring my accounts or my credit report. From this experience I singed up for a credit monitoring service and that is when I noticed this charge off from XXXX CKS Financial that I never knew about. Along with this charge there were many other inquiries from various lenders and accounts that were open in my name that I never opened. There were bank accounts and even bills paid on in my name that I never paid and services that was being used that I never used. This has ranged from loans, to cell phones and internet services that were being used in my name and the bills were being paid. On one occasion I got a text message from XXXX saying that my XXXX  account may have fraudulent activity on it and I called XXXX to notify them that I do not have an XXXX  account and they could not figure out how this happened. To this day there is a bill from XXXX XXXX that is being paid in my name, using my information and XXXX can not find out who the user is and why the statement is being sent to me saying that the bill is paid. There are so many things that I don't understand about this process. CKS Financial owns and account that I never opened and that is fraudulent and bills were being paid in my name and money was being transferred that I never knew about. I filed a police report that is attached and I would like to be cleared from this debt and the delinquent account to be taken off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My personal information, including ssn, was made public in the equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to start this request reminding Capital One that we are all living dificult times with this pandemia. I am one of the affected due to covid-19, and my family also experienced complications. We have been through family health problems. 

Besides all the family health complication that weve been through, my email address was hacked by XXXX, XXXX. Due to this, I was not able to get my statement by XXXX, due to this, my payment was not received. Now this late is being reported in XXXX. This is an overwhelming situation! Believe me, I never meant to be late. This was a situation that I could not control, since I did not receive the statement, and with all the stress due to this virus, it was completely overwhelming. 

I have more than one account with Capital One, but the one that I want to bring your attention to is the followong : Account # XXXX, opened date : XXXX XXXX, XXXX, limit {$7000.00}. 

I am demanding this late mark to be removed. I know Capital One since a long time ago. I know that Capital Ones policies are very human, and I am just requesting a fair solution. 

Please send the attached document to Capital One. I want them to know that my story is true, that I am desesperately explaining my request, but I want them to know that I deserve this late mark to be removed. I am not willing to have it on my report, since it was not my fault. Any can get his email hacked, and I was a victim of this identity theft. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Orions Management Group, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
ORIONS MANAGEMENT GROUP LLC has call my cell phone repeatley I have ask them to supply me with proff that this a debt I owe they have not. 
ORIONS MANAGEMENT GROUP LLC has called my home repeatly about this same debt the refuse to show proff of, then a woman from this company start telling me I am reading your credit report you dont pay your debts. They refuse to give me a fax number so I can fax them a letter requesting them to contact me by maile only

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit 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 2022-07-25
Company: EQUIFAX, INC.
State: AZ
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 recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
i was a victim of idenity theft. i have 4 accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXX XXXX date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3XXXX fXXXX XXXX XXXX XXXXdate fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: CORELOGIC 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:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports   (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

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 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I thought I was purchasing sneakers From the XXXX  page XXXX XXXX but I was scammed for {$900.00} through XXXX XXXX for half And XXXX for the other half. When I realized it was a scam I tried texting them but I was blocked and when I called my bank and XXXX XXXX they both told me they couldnt help me because I had authorized the purchase all BOA could do is make a claim and they actually told me I need the scammers permission to get my money back like what tell me where he is and Ill go get it myself it makes no sense sane person scammed my friend for XXXX and the worst part is we cant even get his page banned reported it multiple times and its still up 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 2018-09-22
Company: BARCLAYS BANK DELAWARE
State: TX
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:
There were some unauthorized charges on the account, they refused to remove the unauthorized charges. I paid the accurate amount and now they are charging late fees for unauthorized charges AND reporting false information to the credit bureau

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 2018-09-22
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: Account status incorrect

Complaint:
In XX/XX/2017 i have talked to a account representative at XXXX XXXXXXXX XXXX   over the phone before making payment in full for my credit card account, account number XXXX and had made an agreement to pay account only if account was deleted. I've made the payment in full and XXXX XXXXXXXX XXXX have failed to remove the negative item from my 3 credit report with XXXX, XXXX   and transunion. I've contacted and disputed them about this situation. multiple times with no solution. my report shows that my account has payment after charge off in which is double enrichment and is unlawful according to the fair credit act since they have already charged it off

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 2022-07-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account Number # 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Genesis FS Card Services, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Inaccurate Information being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There was a federal lien on me that has been withdrawn by the IRS, but Equifax keeps reporting it as " released. '' I have disputed it twice and both time I received notification from Equifax stating that they verified the lien and the item is being reported correctly on my credit report. They refuse to remove the lien from my credit report even though the IRS has filed a withdrawal of that lien with the county court. I need them to remove that lien from my report because it is hurting my credit score.

Company response to consumer: Closed with explanation