BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$400.00}

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-21
Company: Rent Recovery Solutions
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for an apartment home, but got denied. When the representative called me she said if I can get it removed from my credit I could get the apartment. First of all I didnt know that charge was on my credit report until the housing company did a credit check. To date I have disputed this charge five ( 5 ) times and every time I disputed this charge each credit bureau agent that assisted me did agree it was a strange document and was not sufficient to support this remaining on my report, but each time I got denied for removal of this file. The last agent I spoke with a couple of weeks ago gave me your information and told me to contact your agency. 
I believe this file is an unfair and very inaccurate file on my report. I need help, Ive done everything, for 5 months Ive been at this, if you can help me, I need it. This is keeping me from getting a home a place to live. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Requested directly to Office of the Chairman to remove me from overdraft service which is a cost of XXXX XXXX/year plus transaction fees. I could not locate where this can be done on line. My account was still charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Marcadis Singer PA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I was involved in a fraud scam. The fraudster used my American Express account to purchase items totaling {$10000.00}. I never gave my card or card number to the fraudster. They represented themselves as being from American Express and were checking on fraudulent purchases that they made. They were very professional. I then got a letter from American Express, saying they recognized the suspicious activity. They proceeded to conduct an investigation. I received a letter ( XXXX ) saying the investigation was completed and charges would be credited to my account. The credits were made, but then reversed at a later date. When I questioned why the charges were now my responsibility, they said I gave the merchant my information willfully ( which I did not ) and they were holding me responsible. ( attached letter XX/XX/23. 

I have included all correspondence between AMEX and me. The correspondence describes the sequence of events regarding the fraud and my communications with AMEX. I have never done business with the merchants involved and AMEX has not given me proof that the merchant verified my identity at the time of purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I sent Capital One Bank a notice on XX/XX/2022 stating my consumer rights are being violated, due to late payments being reported to my credit profile and how it has coursed harm to me and my family, preventing me form qualifying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: AZ
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am sending this complaint because of this company XXXX XXXX they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened 3 min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector NCA as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was alerted of several inquires on my credit report via XXXX. On XX/XX/XXXX there was an unauthorized inquiry from XXXX. On XX/XX/XXXX there were several unauthorized inquiries from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. In addition, on XX/XX/XXXX and XX/XX/XXXX my credit freeze was removed without my authorization. I contacted each company to get detailed information. I was unsuccessful on obtaining 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: PA
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:
The XXXX XXXX XXXX acct that appears on my credit files at experian and equifax is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the irs as a loss by XXXX XXXX XXXX in which the IRS deems this account as taxable income on my part. Thus i am due a 1099c so i can file taxes on this income which to date i have not received from XXXX XXXX XXXX Income SHALL not be reported to my credit report. Due to experian and equifax negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section 623 all the information regarding this account from XXXX XXXX XXXX including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted fcra given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law XXXX XXXX XXXX has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of XXXX equifax and XXXXXXXX XXXX XXXX to follow fcra, truth in lending, new jersey UCC codes and FDCPA regulations rules and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a bill payment from XXXX XXXX that went to Harris & Harris LTD ( debt collectors ). The balance was {$25.00} which was a mistake as they did not bill both insurances. I have dual medical coverage from my employer and my husband 's employer. I was advised by XXXX XXXX to provide Harris & Harris LTD with the medical insurance information as they have called in the past to insurance providers. I did just that, however was treated disrespectfully by the Harris & Harris LTD. Further, the {$25.00} bill has now turned into {$240.00} and they are demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Braviant Holdings, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
XXXX XXXX XXXX sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation