BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Affirm Holdings, Inc
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Transform Credit Inc.
State: CA
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 went to check my credit and I saw my scores dropped by XXXX points when I checked it said I had a {$350.00} loan from transform credit so I said that wasnt me and it seemed as if it was a XXXX XXXX monthly payment for the next 5 years and the first payment had been taken out of my bank but that wasnt me who did it and I want my credit to go back to the way it was and fix this mistake/ fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the three credit bureaus several times about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my credit score. Additionally my 5 charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for 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 non-monetary relief
Consumer complaint received 2022-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital One is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called Capital One and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said Capital One requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-30
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I was offered by PayPal to convert my personal account into a business account. After taking my first payment PayPal then froze my account requesting documents to prove the legitimacy of my business which I did. They then refused to release my account after providing all documentation proving the authenticity of my business. I then requested that they return my account to a consumer account and the still refuse to do so. This has affected me both personally and business wise. If they needed proof which was provided before converting my account the time to do so was before converting my account not after I began taking payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canr furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 47.1K payment on a credit card account under an open end consumer credit plan as late for purpose.

525

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: BARCLAYS BANK DELAWARE
State: NY
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 XXXX XXXX I was charged {$1100.00} to my Barclays Credit card at an XXXX XXXX. I was not in possession of my card and it was used without fraudulently. I immediately made a dispute and was refunded. Barclays returned on XXXX stating chip technology was used so I will not be covered and the refund will be reversed. This was a fraudulent charge and should be covered under the fraud protections of my card.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states 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 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XX/XX/XXXX I spoke with a representative from both Transunion and XXXXXXXX XXXX XXXX in regards to a collection item on my credit report. First call was to Transunion and the representative said that I needed a letter from the XXXXXXXX XXXX XXXXXXXX stating the account was paid off in full. She also said I can mail it in or submit a dispute online. Second call was to XXXXXXXX XXXX XXXXXXXX. I spoke with a representative and she stated she will mail out a letter and would arrive in XXXX weeks and I said that is fine. On XX/XX/XXXX I submitted a dispute online on Transunion website and attached the letter received from XXXX XXXX XXXXXXXX. I received a email confirmation that if a dispute was submitted online something would arrive in the mail, but nothing came. On XX/XX/XXXX I submitted another dispute on XXXX XXXX website for the same issue because nothing changed. On XX/XX/XXXX I received a email that it was updated, but the only thing that was updated was the balance and not taken off my report. I called Transunion on XX/XX/XXXX and spoke with the representative and informed her what was going on and she said you need a letter from the collection agency stating to take it off your report and I told her that they do not provide such letter. I had asked why is this the first I'm hearing of this and why was the letter provided to them was not acceptable to take it off my report as initially stated on XX/XX/XXXX. She couldn't answer and I demanded a supervisor. Once connected to the supervisor I told him what was going on and he proceeded to say another letter was needed and I once again stated the collection agency does not provide such letter. He basically said there is nothing I can do about getting this of my report besides getting another letter that do not exist for XXXX XXXX XXXXXXXX. I'm just overly exhausted and frustrated about this issue. Hopefully this complaint help with this exhausting issue with Transunion.

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 2022-06-30
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:
In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Once I combined these personal credit report files from these third-party agencies, I found the following : 1. XXXX XXXX Account number : XXXX Account number : XXXX. 
Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

2. XXXX XXXX XXXX, XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 
Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

4. XXXX XXXX XXXX XXXX Account numbers : XXXX Account numbers : XXXX 5. XXXX XXXX XXXX XXXX  Account number : XXXX Account number : XXXX 15 USC 1681 section 602 ( a ) states I have the right to privacy. 

15 USC 1681 section 604 ( a ) ( 2 ) : It also states consumer reporting agencies can not furnish a account without my written instructions. 

15 USC 1681 ( c ) ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer report containing any of the following items, of information any or other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 USC 1681 ( s ) ( 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: Convergent Resources, 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:
Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXXXXXX XXXX XXXX This account appears been opened online none of information matches 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 explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$390.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-12-01
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/XXXX, the credit reporting bureau Experian concluded an investigation into a tradeline beginning with account number XXXX ... with XXXX XXXX XXXX. The XXXX offered a settlement to close the account. I scheduled a payment on XX/XX/XXXX and paid the settlement balance on XX/XX/XXXX. Experian is reporting the account open with no recent payments, and the current balance as {$10000.00}. However, there is a payment that has posted for {$2100.00} on XX/XX/XXXX and the account is now closed with XXXX XXXX. I have requested that the creditor delete file and derogatory information. I have found that Experian will not conduct thorough investigations and look at evidence presented. They will mislead consumer by stating they will but in fact, they often do not. This makes it extremely difficult for consumers to correct errors on credit reports which negatively impacts their credit score. It is a violation of the Fair Credit Reporting Act. 

Secondly, I want to file a complaint regarding Experian 's handling of the XXXX tradeline on my account. It is reflecting a late payment history, despite my numerous attempts to dispute the error. I provided the information showing the satisfactory payoff the account, which was paid off early.

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 2022-07-28
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Through my university email, I was invited to be a personal assistant to professors. My first task was to help send money to charities for him. He wrote me a check and sent them through email, I deposited, and then I would send the money through Zelle. I would find out that the checks he sent me where fraud, so I would end up giving multiple checks of my own money to random people that I thought were orphanages/charities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Argon agency is inaccurate and also is not valid according to the fair credit reporting act. From what I understand this is a medical debt, which is not a valid debt according to the FCRA ( Fair Credit Reporting Act ). There are several inconsistencies and inaccuracies with the open/closed account dates. The open/closed account dates are all different which is inconsistent and in accurate. I ask this to be removed from all three credit bureaus 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 2022-06-30
Company: Grain Technology, Inc.
State: NC
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:
Hello, I have on my credit report to the company Grain Tech Support for them to correct the payment history on my credit card account i hold with them. they have failed to do so i have called several times and emailed in which i have attached all email correspondence, they responded with an automated generated message and still failed to correct the issue for example. i emailed them XX/XX/XXXX @ XXXX in reference to there inaccurate payment history reporting and they failed to respond the following errors go back to XXXX this is effecting my credit score drastically. here is list of the following errors with the factual proof of my most recent credit report. 
XXXX of XXXX- XXXX reported me 30 days late but XXXX XXXX XXXX reported me paying ON TIME. 
XXXX of XXXX XXXX reported me ON TIME FOR PAYMENT, but XXXX XXXX XXXX Reported me 30 days late. how can i be ontime with one credit agency and late with the other 2 in the same month. this is a violation and inaccurate data reporting. XXXX of XXXX XXXX reported me 30 days late but XXXX XXXX XXXX reported me on time. this is an ongoing problem for over a year now. 
XXXX of XXXX XXXX reported me on time. XXXX Reported 30 days late, XXXX Reported nothing at all that month how is that accurate. XXXX of XXXX XXXX reported me 90 days late, XXXX reported me paying on time, and XXXX Reported me paying on time as well. something has to be done about all these errors they need to be proven, deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX  Account # 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 a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation