BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017, I sent Transunion a letter disputing multiple inquiries on my credit report that I did not authorize and that I have no knowledge about. ( please see attached letter # 1 ) I then received a letter from Transunion stating that the items that I was disputing was not on my Transunion credit report. ( please see attached letter # 2 ) I called Transunion on XX/XX/2017 and spoke with a supervisor named XXXX. She informed me that the inquiries were on my Transunion report. <P/>I am totally disappointed in Transunion for sending out false information.

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 2022-05-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the creditor multiple times and never received a response regarding the debt being reported by them on my credit report. The credit bureaus have validated the debt but no one is providing me the debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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: Old information reappears or never goes away

Complaint:
I have old accounts on my credit report that is been pay off and close plus way to old to remain on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Innovis
State: LA
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:
After requesting my credit report from Innovis in XXXX, I was shocked to find two files that were not mine. I immediately disputed with them. They said that the accounts were verified and so I contacted the creditor 's in question who both said they were reported in error and should be removed. However to date Innovis has maintained the erroneous reporting of these accounts. The two accounts in question are a XXXX account and a XXXX account. Please see the attached certified copies of the letters I received from the companies and my most recent Innovis credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my Equifax free credit report online on XX/XX/2019 on XXXX : XXXX. Equifax will not allow me to get my report online, so I have to fill out a paper form and mail it in each year. Presumably this is because I have a security freeze on my account because I am a victim of ID theft. However, neither XXXX nor XXXX require that I fill out a paper form. Requiring that I send them a paper form, even though I have provided all needed info online, puts me at risk in two ways : 1 ) it opens me up to loss or theft of still more info by requiring me to send in a paper form with documentation, and 2 ) it provides Equifax with still more personal info about me because they require identity and address documentation. I should not be " punished '' and exposed to increased ID theft simply because I have a security freeze on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
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: Account status incorrect

Complaint:
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the explorer immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Information belongs to someone else

Complaint:
Experian and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Experian and XXXX that I was a victim of identity theft. Experian and XXXX are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian and XXXX have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2019-07-22
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: Account information incorrect

Complaint:
XX/XX/19 I sent in a letter to Equifax indicating discrepancies on my report. I sent a screen shot of those discrepancies so there was no dispute about what I was questioning. Instead of deleting the account as they should have for there was factual disputes, they updated their system to reflect the discrepancies that I provided. 

Because of the neglect in ensuring everything on my credit report is accurate and to date they should have deleted the information and not updated based upon the information I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Summary of Me vs. CHASE re fraudulent credit card charges On Tuesday XX/XX/XXXX CHASE contacted me about an {$890.00} XXXX XXXX charge that they declined as fraudulent. ( On their ( Amazon ) XXXX XXXX XXXX ) When I verified that it was fraudulent, they advised me to check other charges on my account, and they issued a new card XXXX I found and reported 12 additional charges dated from XX/XX/XXXX to XXXX, XXXX of them placed in XXXX, XXXX  - about XXXX miles from my home in XXXX, XXXX. 

In answer to their phone rep, I could only honestly tell them that the card was still in my wallet, not lost or stolen. Ive been a CHASE customer for decades, one would think telling the truth would help them learn how theyd been fleeced. 

A few weeks later they informed me that their position is that I benefited from the purchases, and they reimposed the charges to the new account. Apparently since I did not lie, and say the card was lost/stolen, they maintain that the actual card was used, and so it must have been me. 

I sent them a detailed day-to-day summary of my home/local activities compared to the times and locations of the fraudulent charges. ( attached ) ( The XXXX  mtgs that make up much of my listed activities are either congregation meetings that I conduct as an XXXX XXXX  of XXXX XXXX, or sessions during which we work together making phone calls to encourage our neighbors to learn more about the XXXX. ) I know the schedule doesnt make it impossible for me to have carried out ALL the fraudulent charges, but combined w the fact that I am a XXXX XXXX  ( of XXXX years ) with no criminal record and decades of now XXXXcredit-score reliability, I dont know how any reasonable person could conclude that I have suddenly commenced a new way of life as a thief and liar. 
If they contend a card was used, I have to think that - if there can be TWO cards, mine and my wifes, then there can be a third, or more. I even sent CHASE my photo in case they had access to security video of any of the transactions. 

I have informed CHASE that I want to see the results, the proof, of their thorough investigation. So far nothing has been forthcoming. 

Thank you for considering this matter. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to TransUnion and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX XXXX erroneous and inaccurate Collection account. 

I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX  XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent in letters to have incorrect information 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent in letters to have incorrect information 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction 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 2020-04-25
Company: WELLS FARGO & COMPANY
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo sent letters after my fraud dispute and credited the fraudulent charges however for my company XXXX they are stating I still owe charges and I requested for them to remove all overdraft fees associated with this account as there was fraud that remained in this account for almost 2 years.

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: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification on my credit monitoring about a new item on my credit report. When I pulled it, it listed this company on my credit I never heard of in my life. The account is listed as bad deb write off included in chap XXXX petition with a XXXX balance, no other information. I have never received a phone call or a letter from these people ever. I do n't even know who they are collecting for. My bankruptcy is still in process, it was filed in XXXX 2017 after my XXXX 's engine blew up, which caused me a lot of financial stress and almost lost my job. I have no idea who these people are, never heard from them and I dont understand why or how they can list something on my credit after a Bankruptsy has been filed? I called them and they wo n't talk to me because of the bankruptsy. I dont even know who they are supposidly collecting for?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I opened up a checking account with capital one a few months ago and deposited a check for {$2500.00}. They put a hold and had me confirm My identity by uploading a photo of my ID through their security link Which I did successfully. Its been several months and they still will not allow me to access the funds in my account. I tried calling them several times and they are asking me if they can contact the checkwriter to verify the check which I told them was perfectly OK. I provided them the check riders phone number however because hes on a family plan and the phone is under his wifes name they will not call that number mower they let him call into them to verify. The check was valid of course and the funds have not been charged back or returned several months later yet they still will not allow me access to my money please help. When I ask them if they think they can just hold my money forever they rudely replied that yes they are legally allowed to hold my phones forever which I thought was not true you can contact me up XXXX or email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am getting a mortgage in a year, so I have been paying down debt that is the result of a divorce. According to XXXX XXXX web site ( they just increased my line, by the way ) my credit score is XXXX, which is good. But the XXXX site shows it as XXXX, which is poor, and they state that it is provided by Transunion. I recently ordered all three agencies ' credit reports and they are identical. I called Transunion today and got a bunch of evasion from the rep. I know that Transunion is currently being sued. 

I am trying to raise my credit score to XXXX in the next year, and I am on my way. But Transunion will make that impossible. 

Can you 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 explanation
Consumer complaint received 2022-05-04
Company: I.C. System, Inc.
State: FL
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:
I requested a copy of my credit report and I found a collection account being reported by this company. I have never received any communication from said company about any debts so I proceeded and mailed a debt validation request to the address they had provided to the credit bureau. They refused to respond to the letter which is a clear violation of the Fair Credit Reporting Act and the Florida law regarding debt collection practices. I request they remove the account from my credit report no latter than XX/XX/2022 per the guidelines of law.

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 2019-07-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
TD BANK, NA, CONSUMER LENDING DEPARTMENT SENT A LETTER DATED XX/XX/2019. APPLICATION # XXXX STATING MY CREDIT SCORE IS " XXXX ''. 
I UNLOCKED AND UNFROZE MY CREDIT REPORT SO THE EMPLOYEES IN THE LOAN DEPARTMENT COULD ACCESS MY REPORT. I HAVE A GOOD CREDIT. 

TD BANK EMPLOYEES DO NOT RESPOND TO INQUIRIES WELL. 
EVEN WHEN THEY ARE OBVIOUSLY AT FAULT. 

I WANT CFPB TO RESOLVE THIS ISSUE. 
I AM BEING DESCRIMINATED AGAINST DUE TO AGE, INCOME, DISABILITY AND VETERAN STATUS.

Company response to consumer: Closed with explanation