BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite my attempts to clarify the validity of these debts with XXXX XXXX XXXX ( XXXX ), they have failed to provide any documentation confirming the legitimacy of the reported charges. Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I kindly urge you to provide proof of the charge-off status for these accounts. If you can not provide such evidence, I insist on the immediate removal of these accounts from my credit report. XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please remove these fraudulent accounts in my credit ASAP. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: 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 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
got hired by a company in XXXX that turned out to be fake thru likedin XX/XX/XXXX got a message from a hiring manger by a company nexwafe in XXXX talked with her for almost 3 hr on teams about the job she hired me and said that on Friday XX/XX/XXXX i would receive 2 checks to bring to my bank and it would be for the remote work material such as computers desk chair etc. 
received two checks from XXXX, check amount was XXXX $ total. 
XX/XX/XXXX funds were available for me to use. 
XX/XX/XXXX XXXX $ was sent to a person here in Texas to get me materials for work XX/XX/XXXX was instructed by the manger to do a wire transfer XXXX $ wire transfer was fine went thru XX/XX/XXXX after XXXX my time here i only only got an email from chase bank, no calls from them no alerts from them that the checks have bounced back and even my own money that i had in there was gone too called chase immediately. was on the phone with them for 4 hours, talked with 7 people, everyone was rude, mean to me, yelled at me and said all this is my fault. they told me to go into a local branch next day. 
XX/XX/XXXX went to a local branch, manger there could not help me at all and said that these things happen all the time to people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The account ( s ) XXXX along with the creditors name : XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I have Medi-Cal have always had Medi-Cal ( Government Insurance ) and have never had a charge to my credit regarding an ER visit, so there is no reason this charge ever reached my credit at all. 
I request you to clear my credit report as soon as possible to help me continue business. 
I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible. 

Regards, 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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:
After recently checking my credit report I noticed hard inquiries that aren't mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXXXXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX {$1300.00} Account name XXXX XXXX XXXX XXXXXXXX {$900.00} Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX  {$420.00} Account name : XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$4700.00} ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove these items that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is UNLICENSED as a debt collector in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 Florida Statue 559.553 states Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555. I am a resident of Florida and currently my rights are being violated. I have attached my drivers license and utility bill as proof of residency.

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 2023-12-14
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment of {$3700.00} on XX/XX/. The funds from this payment were held and my available credit was not updated until XX/XX/. I have been making large payments for months and was aware that the company had a tendency to process payments slowly or hold payments from available credit. I understand this practice and policy and respect it. However, I had called in the past and asked specific details related to payment processing in my available credit, and was given various different answers. Although this is absolutely just human error and does not change their policy, this human error caused a massive impact to me. I made this exceptionally large payment as part of paying my bill in full with the understanding, based on previous conversations, that I would be able to use the available credit within a few business days, I had a bill due for my electric at a much higher amount than normal that was requiring payment or electric services would be interrupted. I have called in the past and had holes removed, but in this instance, the hole can not be removed, likely due to the large amount of my payment. Although again, understandable because of misinformation, this was impact my ability to pay a bill. I talked to several individuals and actually asked to be escalated to their executive offices following complete standards, and was told that I would get a call back. I have not received any communication whether verbally or in writing. My funds were eventually released. However, I had to remit payment from borrowed funds and from what was left to pay my bill in full. This is caused late fees from my electric company that I paid, and because I did not pay my bill in full interest charges for the account. This fall information seems very deceptive and altering an impactful. Additionally, theres no way for them to return funds from a payment or release them even with proof from the bank for situations such as mine. Meaning if they truly had a bank error that caused the customer would be out of luck, and they could cause real harm.

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 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
CAPITAL ONE CREDIT CARD I HAVE INQUIRED THREE DIFFERENT TIMES ABOUT INTEREST AND MINIMUM PAYMENT REDUCTIONS ( MOST RECENT XX/XX/23 ) THEY OFFER HELP AT A HUGE RISK. THEY WILL NOT REDUCE INTEREST, THEY WILL HOWEVER LOWER YOUR MONTHLY MINIMUM PAYMENT, IF THEY DO THIS YOU WILL BE CHARGED LATE FEES, RESPONSIBLE FOR PAYING BACK WHAT YOU COULDN'T PAY AND BUY THIS TIME YOUR MINIMUM PAYMENT IS ALMOST TRIPLED. MINIMUM MONTHLY PAYMENT IS XXXX TO XXXX ROUGHLY A MONTH. THEN WHEN INTEREST IS CHARGED IT IS A WOPPING XXXX TO XXXX ( ROUGHLY ) SO IF YOU CAN ONLY AFFORD TO PAY YOUR MINIMUM PAYMENT ONLY ABOUT XXXX GOES TO PRINCIPAL. I UNDERSTAND APR 'S AND SUCH BUT THERE NEEDS TO BE BETTER PROGRAMS FOR HARWORKING PEOPLE WHO PAY THEIR BILLS ON TIME AND WHO ARE LIVING IN AN ERA WHERE INFLATION IS THE NEW NORMAL. CAPITAL ONE IS A HUGE BUSINESS HOW ARE PEOPLE EVER GOING TO COMEBACK TO A NORMAL AVAILABLE CREDIT LINE IF SO MUCH GOES TO INTEREST AND YOU CAN ONLY AFFORD THE MINIMUM PAYMENT IF THAT SOME MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my third attempt to try and rectify what has been happening. XXXX keeps reporting my loan payments as a credit limit decrease. I have a student loan which is an installment loan, I do not have a credit line with them. Last time, they offered me information on how credit scores are reported, which was no help because they are incorrectly reporting my payments as a decrease in a credit limit. Which is drastically affecting my credit score and making it drop XXXX XXXX today. They are also reporting this decrease in credit limit on a loan that was taken out back in XXXX. So I am not sure what is going on but would appreciate assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas XXXX XXXX XXXX, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations XXXX be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas XXXX XXXX XXXX broadly prohibit XXXX in rental dwellings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made charges to XXXX XXXX secured card {$450.00} and also made charge XXXX  rewards account {$49.00} 4 times XXXX {$210.00} for car warranty and they also {$410.00} charge they got me that also they said they givr you back your {$210.00} but i can't find it

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
Do not recognize the inquiries on my credit report and would like them to be removed and the bureau did nothing about it. I would like them removed from my credit report they are not mine I'm also attaching a copy of my identity theft 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 2023-02-16
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: Account information incorrect

Complaint:
I have emailed and called on multiple occasions to advise and ask why the account balance is not being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the 3 credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all 3 credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all 3 reports as of today XX/XX/2023.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. Fir XXXX my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

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