BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 acordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX 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 XXXXXXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1679 a, states i have the right to dispute inaccurate information in my credit report. 
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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL 3 BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi checking and savings account on XX/XX/2019. Per the offer details : XXXX XXXX XXXX I kept over XXXX daily on the account for more than 60 days already, and have my direct deposit going into the checking account from my job. I should have gotten the XXXX $ bonus but have not and Citi won't help when I try to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XXXX the XXXX of XXXX. Midland Funding LLC on behalf of Asset Acceptance has levied my bank account without sending me any documentation. They levied a California bank account. My identity was stolen in Michigan from the periods of XXXX until now. I have a flag on my IRS account for identity theft, stolen tax returns and someone opening loads of miscellaneous credit lines and credit cards in my name. 

This company levied all my funds somehow. I don't even know how they were A, able to get my bank info. B, I already have all my accounts in the dispute status with all the people trying to collect debts and dispute status prevents court action from being taken until resolved. 

XXXX I have called Midland Funding only to find my number was blocked. I used another number to call them. All the people answering the lines were XXXX, they gave me pure english names such as " XXXX XXXX '' and they could not source my account based on any information provided to them and kept attempting to retrieve my social security number which i wont give out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. 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. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00}

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 2022-03-14
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NC
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:
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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} U S DEPT OF ED/XXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: TX
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 denied an extension of credit by XXXX XXXX. On XX/XX/2022, I applied for XXXX XXXX XXXX XXXX account.Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CXXXXXXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XX/XX/17    I contact ed Kohl 's Collection    department about an account opened in my name, in collections, that I had not authorized in the amount of {$750.00}. Most of this was late fees. It was discovered while I was in the process of trying to qualify for a mortgage. I was told I could not dispute this account & that they would leave it in my credit reports, damaging my chance of getting a mortgage unless I paid part of it. They also refused to adjust the fees & alow me to pay the balance to re-open the account. I made a settlement arranegment for the amount of {$280.00} & gave their rep my checking account number to withdraw the settlement amount, via Check by Phone scheduled for that date.This was due to the facr they claimed they could not use a debit card for this transaction. They gave me a confirmation number of  XXXX . The money was in my account & I watched & waited for it to clear.     When it did not, I called their collections department again on  XX/XX/17   . They said the payment did not go through. I checked with my bank & they say the Check by Phone was never requested. This rep said they could take a debit card, so I gave him the number for the one associated with the same checking account I provided previously. I was given a new confirmation number,  XXXX .     This time the money was withdrawn from my account, {$280.00} on  XX/XX/17   . Why they waited two days I do not know since it was sitting there the entire time.     I 've received  3  different letters fr om Kohls regarding this transaction, all coming about a week after the d ates posted on them. The first, dated  XX/XX/17    informs me  the  XXXX 17 tr ansaction did not go through. I got that in the mail on  XX/XX/17   . The next dated  XX/XX/17    states that my current balance is {$750.00} & my scheduled payment for  XX/XX/17    is {$280.00}. I got this  one  on  XX/XX/17   . The third is dated  XX/XX/17    & states my current balance is {$470.00} & my scheduled payment is {$280.00} due on  XX/XX/17   . I have as of today not recieved a  XXXX  balance letter stating this is settled.     I have call ed Kohls also  on  XX/XX/17    & asked about the    XXXX     balance letter & they keep telling me it 's on it 's way. They have refused to issue it digitally & continue to report this account as in collections. It has indeed damaged my ability to get approved for a mortgage, and I am quite unhappy with this since it was an account that was fraudulently started my my ex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
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 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 and 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 explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: KY
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:
In  XXXX  of   XXXX   i had contacted equifax about inquiries that was on my credit report. I do not have any knowledge of these inquiries. Equifax told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX   XXXX  had an account open and over {$15000.00} was taken from a linked account and we have not been refunded the money after there was an enforcement to them by the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XXXX XXXX XXXX I received a phone call from XXXX XXXX, demanding a payment of {$1000.00}. After my surprise I started asking questions, and I realized that this was a collection office, because they only identified themselves as XXXX XXXX. They said that they partner with Toyota. I have already file a complaint against XXXX. When I called Toyota right after I got off the phone with XXXX, I wanted to find out why I was never informed I have a balance.From customer service I got transferred to a different department. I was told that Toyota has no longer have access to the information I needed to hear. All questions should be addressed to XXXX. I explained that XXXX told me to contact them. After the initial call I contacted Toyota two times the same day and nobody could gave me an explanation. I asked to speak to a supervisor, somebody that could listen to me. I was told that the supervisor was going to say the same to contact XXXX. In other words I was denied to speak with a supervisor The last correspondent I received from Toyota was on XXXX XXXX XXXX. Will attached letter. On my third call to XXXX the same day I was told that it was a deductible from my car. insurance. On my first accident in XXXX, I have same model, same insurance coverage, with Toyota. The car was reported as a total loss, I did n't pay deductible because it was a total loss. In this case the car was a total loss too, I had the same insurance coverage but I have to pay deductible this time. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a credit line with XXXX XXXX. It was suddenly reduced from XXXX to XXXX because XXXX Bank punished me for not having information it never asked me to provide in the first place. I called XXXX Bank to dispute but was directed to TransUnion. XXXX Bank said it would return the credit line if it received notification from TransUnion.TransUnion did not have a live person to speak to, but only directed to an automated appeals portal. The automated portal only kept sending me credit reports which appear on my credit report affecting my credit score. The automated appeals portal did respond to my inquiries. It was became a closed loop, systemically pushing me into a worse credit score through reducing my credit, tacking on credit reports and not providing dispute help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
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: Their investigation did not fix an error on your report

Complaint:
I am filing this request because Transunion as ignored my request to provide me with the documents that their company as on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2022-09-09
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:
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 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, 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:
Equifax Credit reporting agency is reporting that I owe {$170000.00} for XXXX XXXX. The balance that Equifax is reporting is incorrect. The balance for XXXX XXXX  should be reflecting {$93000.00}. Please investigate Equifax for reporting the wrong credit information for XXXX XXXX. Please update my credit report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by Transunion and XXXX and are a result of identity theft. 

the fraudulent accounts being reported on Transunion are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on XXXX are : 5 XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ADVANCED COLLECTION BUR Reporting Debt owed, but " No Contract '' with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letter after letter and filed dispute after dispute on a few items on my report to Equifax. Every incident they are reporting that the dispute remains because it was verified by data furnishers. I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error. They always send a computer generated last page of the report about how they receive their information from data furnishers

Company response to consumer: Closed with explanation