BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
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:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

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 2023-04-29
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:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXPhone ( XXXX ) XXXX The above charge account was revolving charge account and was never late in payment. The merchant have reported 60 days past due to all 3 credit bureaus ( EQUIFAX, XXXX, XXXX ) and I have requested merchant and all 3 bureaus to remove as it is inaccurate. Neither merchant nor Credit Bureaus were able to provide any proof of late payment neither remove this from my credit report. I sincerely urge CFPB to instruct EQUIFAX, XXXX XXXX XXXX to remove this from their reports. Hope CFPB will assist in this matter as it's violating my consumer rights. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: OR
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 is reporting erroneous information on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is an address in my profile that i never been to or live at. 

I also have some issues with credit scoring dropping significantly with no significant reason or data behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XXXX of 2022 l applied for a Capital One Quicksilver card. A month after it was approved, sent, and used by me Capital One declared me deceased. I noticed because when l tried to make a second payment around XX/XX/2022 on my account, it said l had no account... I immediately called Capital One explaining what was happening. They had told me l was reported dead. After talking to two different agents, l was told someone would contact me verifying my information. I got a call 3 days later ... A month went by and l had to call again after receiving a bill for {$6100.00} amount owed on the card to be pay by the survivor of the deceased ( me ). I called again and was told they were going to fix the issue. I found out later they reported me deceased to all credit bureaus. I was in a bad situation because l needed to get a loan to pay for legal services and l couldn't because l had no credit report or credit score. I had fix the mess Capital One created. I was able to clear everything by early XXXX. For three months l had no credit score. Capital One closed the account on my credit report, and now after ten months of creating this mess they went back and put the amount as owed. My credit score went down over XXXX points because of this. I tried to do the right thing, but they didn't do anything and instead they falsely reported me deceased when I'm alive creating a lot of unnecessary stress, pain, and suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reported XXXX re-aging my account to transunion and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' transunion said they did an investigation and the re-aging dates were still on my account. 
as per the attachment transunion never did an investigation or made sure the debt was valid on their site. 

transunion let XXXX re-age my account for their persoanl gain. 

transunion complied with XXXX and since transunion gets paid by XXXX  to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.

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 2023-04-29
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # 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 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 2022-09-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.

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 2023-04-29
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never gave any consumer report agency written consent to to report southern management systems to my consumer report, which holds an amount of {$2000.00}. I never lived at this residency before, and no consent is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: MI
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:
I have my report with inaccuracies and inquires i have no knowledge of starting with : XXXX XXXX XXXX XXXX collection account and the following credit accounts : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX shows incorrect record from Merchants Credit Guide for a medical record not owned by me. They show records from that hospital multiple times. I have tried to reach many times to them and they validate that the person they intent to report is not me but someone else but again next time that appears in my report. I have lodged a complain with them sharing my Id details and report too.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America agreed to remove a delinquent/late on my account. They told me to reach out to XXXX to have it removed. XXXX told me to reach out to the Consumer Financial Protection Bureau. The delinquent/late was for a secured credit card for the amount of {$5.00}. Used the card in error. Never received a billing statement. Caused my credit score to drop XXXX points.

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 2022-12-27
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I contacted affirm 3 times regarding my refund for a loan for an order I placed via XXXX XXXX  with affirm. The order canceled and I was sent a partial refund to my bank account and the other half via the mail. I was told it would take 7 to 10 days to recieve this check in the mail. It is day 13 and I still have not received my refund. I contacted Affirm via phone on XXXX XXXX XXXX and was told to " wait a little longer '' and if I not receive my refund to contact them on Tuesday and they will " escalate '' my claim. I contacted Affirm again XXXX XXXX XXXX and again I am being told to " wait a little longer ''. It didn't take 30 days for them to recieve my money and had I not gone through Affirm to pay for my order I would've had my refund already. XXXX XXXX said I had waitb14 days and then he said 2 days. I keep getting blown off. I am tired of the constant run around and being met with grief and people 's attitudes when I just want my back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They foreclosed on my house and kicked me out! Wouldnt help me save my home!

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 2022-12-27
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I recently opened an AMEX XXXX XXXX account on XX/XX/XXXX. I had an offer on my homepage for {$25.00} off a $ XXXX purchase at XXXX XXXX XXXX XXXX XXXX ) if done by XX/XX/XXXX. I completed a purchase for a yearly subscription for {$53.00} on XX/XX/XXXX and received an email that day from XXXX stating my card was processed and I was given access to the website. By XX/XX/XXXX I had not seen the credit applied to my account and contacted customer service. They stated because the transaction didn't post to their system until XX/XX/XXXX that I was not eligible to receive the {$25.00} statement credit. I asked if I could have the charge reversed because I felt that as a condition of purchasing the subscription was that I would receive a {$25.00} statement credit. If I no longer qualified I did not want access to the subscription service. I was told no that they were unable to do that and have since filed a complain with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried to apply for credit and learned that I was denied. After searching many channels to understand the reason for the denial, I learned that my information was leaked through the XXXX data Breach. I am not sure why has happened, and I should not have been denied credit.

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 2023-04-29
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I filed the dispute with brinks money all access the dispute was for {$68.00} and another one was for {$10.00} they only gave me {$66.00} back on my card and I keep calling them about the situation they keep rerouting me to the automatic machine to reput my information in I done it five times this morning and they keep charging me overdraft fee ATM fees when I signed up to pay {$5.00} a month so I won't be charging them fees and they started charging them to me they stealing my money out by card but y'all please help me

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have my report with inaccuracies and inquires i have no knowledge of starting with : XXXX XXXX  XXXX XXXX collection account and the following credit accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/XXXX XXXX Payment of {$57.00} on XXXX XXXX XXXX 

Also XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Missed payment due to no phone access. 

XX/XX/XXXX XXXX Contacted Credit Company ( TransUnion ) and will not help dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: MECHANICS BANK
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: Account status incorrect

Complaint:
In 2017, due to hurricane Harvey a declared natural disaster here in XXXX, Texas, My vehicle was totaled due to extensive water. My insurance company XXXX at the time, had me get a payoff amount from Mechanics Bank Auto ( account # XXXX ). Once received My insurance company paid out the vehicle in full to mechanics bank auto, and the account was closed. After this transaction I never heard from mechanics bank again. I have never received any bill or paperwork that stated that I owe {$81.00} which was later charged off by Mechanics Bank Auto. There is no way mechanics bank should be able to verify that to the credit bureaus and I questioning what investigative means was used to gather such info. The account should be paid in full. After I disputed the info, the creditor placed a derogatory remark on XXXX and XXXX causing my score to drop from an already closed account. So instead of just affecting XXXX I have this issue on all of my credit reports. A closed account should rarely ever change payment status to negative after being closed. This account is 6 years old and has reported inaccurately the entire time. I would like the account removed from my credit reports or corrected to display paid as agreed as the only status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX  XXXX without my consent. According to FCRA, this is against Hipaa law.

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I made a deposit at Wells Fargo in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I then asked to close my account and issue the check. They told me that I am unable to access funds or close my account due to a lack of banking activity. 

My funds are frozen and I'm not able to access my account or close it.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO 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