BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: TrueAccord Corp.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
True Accord a charge off company that took ahold of XXXX XXXX XXXX XXXX says I owe {$290.00} for a purchase that I did not make The date was on XXXX I was just aware of this on XXXX. I reach out to company No phone call back or email Im asking for removal of this

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted the following companies numerous times XXXX, TransUnion, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses and phone numbers where people have fraudulently used my name and associated my name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though just stated it has been confirmed the fraudulent address are mine even though I filed identity theft and this is noted on my credit reports though the companies refuse to remove the inaccurate addresses and phone numbers.

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 2023-08-09
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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 hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX  for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically SectioXXXX 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: JPMORGAN CHASE & CO.
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had booked the tickets to go to XXXX was been told by travel agent that payment will be done in 3 separate transactions to 3 different airlines XXXX, XXXX and XXXX XXXX One of the payments were pending so travel agent gave me one way ticket and said once the payment is cleared Ill get the return ticket as well But same day I got and email from XXXX XXXX The airline we were supposed to fly with They said we are canceling your ticket due to some fraud activity After that I contacted the travel agent to ask why was the tickets canceled they said its because of the one payment still pending Couple of days later travel agent said that they have refunded my money so ask the bank to dispute the payment Bank saying we cant dispute the payment we need the proof from travel agent that they have refunded the money I cant get in contact with travel agents at all They have blocked my number and not answering at all The card I used was chase bank card And travel agent they called XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. Kindly assist me to remove these following fraud items : XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$2000.00} ; XXXX  XXXX XXXX XXXX Balance {$660.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX, TX, undefined ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXX Balance : {$1600.00}.

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 2023-02-02
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted TDBank to inquire as to why there was a credit pull on my report, they had not knowledge of this being done or my information. But for this i took a XXXX point hit for no reason. I then contacted XXXX to file a dispute. This is currently be looked after. I will know within 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a pre-paid phone account.. I terminated it via the company website and now they say I owe two additional months and have turned me over to a collection agency which continues to harass my XXXX year old mother. I have disputed the debt in writing and informed them not to call my Mother 's residence again and even them my business number!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called LVNV Funding LLC is in Violation of 15 USC 1692f sec 808. This company is trying to collect on a debt from XXXX XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX am the Agent for this Pricipal. I have requested Validation of this debt per 15 USC 1692g sec 809 and what I mean by Validation of this debt I mean the XXXX XXXX the application that was signed by the Principal to open the account. I want to know who holds the Security now? I think this company is trying to commit Securities Fraud which is a Federal Offense can you please contact the XXXX  and have them open a case on this company that is trying to collect Federal Reserve notes on an Account that has already been paid in full and put a stop to the Fraud that Plaques our finacial system today. I think this needs to be reported to the Department Of Justice also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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. 


XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX - {$0.00} -HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX, personal XX/XX/XXXX XXXX HAS VIOLATED XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX  XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXX/XX/XXXX - HAS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XX/XX/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 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 of 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 2023-06-23
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 disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my Second 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 Balance : {$1800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-04-06
Company: EQUIFAX, 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:
When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an email from carmax about an approval for a car payment extension which I had no acknowledgement of and didnt consent to. Im am also the owner of the vehicle and any changes to it and the contract shouldnt be done without my knowledge and consent. Its strange how my request to be removed from the contract was denied, me requesting for the vehicle to be picked up several times after being behind on payments for several months is also denied, but a payment extension is done without consulting with me the other owner of the vehicle, even though we both parties share equal ownership of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The XXXX and Transunion credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX and Transunion credit bureaus. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the accounts via FCRA. They have failed to remove the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts be verified nor be corrected from my report immediately : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00}.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-08-11
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: Information is missing that should be on the report

Complaint:
Experian has failed to list accounts which the lender has told me they are reporting on. I have attempted to reach out to Experian, however, there is no dispute process which accounts for this particular issue. At the moment, their response has been exceptionally vague about how credit reports can be affected by a variety of factors. No specific information about why the accounts are not listed on my report.

Company response to consumer: Closed with explanation