BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXXl Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number - XXXX Account name : XXXX XXXX XXXX  Account XXXX - XXXX These accounts have 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 : states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has 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 2023-09-14
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My check has been garnished and debt almost completely paid. XXXX XXXX Was told debt was from an account with XXXX  XXXX XXXX. That bank closed in 2008. I have no idea what debt is for. I filed bankruptcy in XXXX. Tried to do paperwork to have someone explain to me why I owe this and filed wrong paperwork. Tried to hire an attorney and paid for legal work that has not been done and no refund issued. XXXX $ there. Almost XXXX in 2 months over XXXX ... .still no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Notice to agent is noticed to principle. Notice to principle is noticed to agent. this is to inform the CFPB of a violation that XXXX  XXXX XXXX  has done to the consumer XXXX  XXXX XXXX  has sold my information to a company by the name of resurgent receivable LLC the company has been notified to stop sending notification by text, and by e-mail. the company continues sending me text messages when the consumer has addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXXXXXX has violated by selling my information to this company the description PDF is on the CFPB portal end the explanation are written in red.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: DISCOVER BANK
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 right. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 usc 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: John C. Heath, Attorney at Law, PLLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XXXX XXXX. It was a few years back. But I don't recall the dates. I know there was an upfront fee then recurring fees. I think it was around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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:
XXXX XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is Equifax reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
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:
XXXX XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

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 2023-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I started noticing that planet fitness is charging extra fee from my XXXX  card on autopayments. I talked to them and the bank to return my money. The bank returned my money once and charged back. It's happening every month and I requested the bank Capital one to block this vendor as the gym is not listening to my request and they are charging over charges despite of several contacts. The bank is not blocking the vendor. I changed the credit card even then the amount was charged again. I want all my money back and the bank should stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit 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:
On XX/XX/XXXX, I took my car to the merchant for a routine oil change. Unfortunately, after the service, a misfire occurred, leading the merchant to admit that they might have accidentally removed the sparkplug. They requested me to bring the car back to their shop for repairs. 
Upon returning my vehicle, the merchant informed me that fixing the misfire would cost approximately {$250.00} to {$300.00}, which I agreed to pay. Furthermore, they assured me that the car would be returned within 14 days. 
However, the merchant XXXX XXXX XXXX XXXX XXXX communication became increasingly sporadic, with long periods of no response to my inquiries about the status of my vehicle. I made numerous attempts to cancel the service but received no response. It was only after XXXX months, in XXXX of XXXX, that I finally received a call from the merchant. 
During the call, the merchant insisted that I pay {$470.00} to retrieve my vehicle. I provided my credit card information over the phone, trusting their assessment of the charges. 
Shockingly, a few days later, I discovered that they had charged my credit card for a staggering {$4700.00}, instead of the agreed-upon {$470.00}. 
To compound matters, upon receiving my car, I noticed that the engine lid was missing, the car seat was damaged, and, to my dismay, the check engine light illuminated the very next day, rendering the vehicle undrivable. Despite immediately contacting the merchant, their response was dismissive, offering only to purchase an engine lid while demanding an additional {$9000.00} to fix the engine, which is an exorbitant and unjustifiable amount. 
Given the circumstances outlined above, I kindly request your assistance in resolving this dispute with the merchant. The unauthorized charges of {$4700.00} must be reversed, and I should not be held liable for any costs associated with repairing the damage caused by the merchant. 


The biggest issue I had is that American Express has not been investigating this charge. They constantly send me the same response ending the dispute in the merchant 's favor without answering to the evidence. For example, the dispute was opened because " The vehicle is still damaged '' but Amex responded by saying. " There was no records of cancellation '' which is not even what the dispute was started for. In addition, I was asked to provide information and I did, but the dispute was closed because " they did not receive the documents. '' The dispute number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: MI
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:
Twice has Equifax investigated a frauduelnt account and removed it after a 30-day investigation from my credit report to months later begin re-reporting the fraudulent account. Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXXhe Equifax representative said once received it would be removed again. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I did this and waited another 30 days while the fraudulent account reported in error on my credit report and it was removed again a second time. 

Now, for the third time, it has reappeared and I am going through the same process again and just filed a new dispute for a fraudulent item that has been investigated and found to be fraudulent twice already by Equifax. I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. 
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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2023-07-28
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: Was not notified of investigation status or results

Complaint:
I am writing to request the immediate removal of the following accounts and information from my consumer report. It is imperative that the listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA regulations. I kindly ask you to take prompt action to delete and remove these accounts and information from my consumer report to ensure compliance with the relevant laws. Your urgent attention to this matter is greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, to inform you that there is no third party involved in the process. I sent letters to XXXX and Transunion Credit bureaus the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023, and still nothing from them. That means XXXX and Transunion credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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.

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 2023-05-28
Company: Paramount Recovery Systems, L.P.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation