BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting false information to the credit bureaus. They are reporting that my account is XXXX XXXX late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on 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 non-monetary relief
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had multiple collections removed from my account, from dispute, all in which are 2+ years old.. within a weeks time these where all added back onto my credit reports as OPEN accounts, adding to my balances ... THESE NEED TO BE REMOVED! they where disputed and removed, and now have been added back on! how is this possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In reviewing my most recent EQUIFAX report, I noted " hard inquiries '' were made into it by XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX on XXXX/XXXX/XXXX. As all three were to have been done as " soft '' inquiries, I want EQUIFAX to delete them ASAP as required by Federal Consumer law. I have asked REPEATEDLY for this to be done and have had no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2023-10-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Two different collectors are charging me on behalf of an apartment complex for rent. They are also charging the wrong person. I never owned a apartment on XXXX XXXX XXXX XXXX Tx XXXX. The person who actually had a lease agreement at the apartment ( the collectors are trying to charge me DOUBLE for ) is named XXXX XXXX XXXX. XXXX date of birth is XXXX XXXX XXXX and his S.Security # XXXX. These charges belong to XXXX XXXX it was his lease and the apartment XXXX said she had to have my name since I was his girlfriend just so when staff saw me they would know I had a right to be there as a visitor but that was a lie because now Im stuck with two bills.

Now I will list the two credit collectors : 1 ) 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 ( side note : here they are lying about the Date open again when its XXXX ) * This is fraud. These companies are trying to get over on me and was very nasty when I called them about this and the they both updated the the open dates after I phoned them. They told me I had to pay this when I never got this apartment in my name! AND both of them are charging me for the same apartment and different prices! Help please. This should not be in my credit report. I also want to add that XXXX XXXX had stayed full term at that apartment but on the last month he was supposed to pay rent, he did not pay. Instead he moved out with it BUT that was only {$1000.00} he didnt pay so where are they getting over {$3000.00} from? Nothing about this is right. I even called the apartment complex ( XXXX XXXX  ) and they have know idea what these collections are about and they couldnt find me in their system either!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining XXXX  employment. Im XXXX. Trying to further my law enforcement career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX TransUnion and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-04-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed multiple inquiries that I did not submit previously but have not received any resolve in this matter. The last investigation advised that you contacted all companys and have supporting documents that the inquiries are mine. I would like to receive the proof of this investigation. In addition I have attempted to look at my score online and have been advised I need to call directly to your offices because of a technical issue I can not access my credit report. I have called 4 times and each agent states the problem is fixed but Im still getting the same message when trying to access my report. I will download the screen shot. In the meantime please provide the proof that the following inquiries were submitted by me within 15 days. Your time on these matters are appreciated. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: AR
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 writing to formally file a complaint regarding my ongoing and unsuccessful attempts to have fraudulent items removed from my credit report. 

Since then, I have made numerous attempts to resolve this matter through your customer service department. I have contacted your representatives each time detailing the fraudulent charges and requesting their immediate removal. 

Despite my repeated efforts, I have not received a satisfactory resolution to this issue. I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute forms or additional evidence proving the fraudulent nature of these transactions. 
I understand that addressing cases of fraud can be complex, but it is crucial that this matter is resolved promptly. I insist on a thorough and immediate investigation into these fraudulent charges and their removal from my account. Additionally, I request a written confirmation of the resolution and the actions taken to rectify this situation. 
Please treat this matter with the utmost urgency and seriousness, as it directly affects my financial well-being and security. I am asking for your assistance to remove immediately these fraudulent items 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Request investigation into accounts and credit inquires that's not mine. I want these items corrected and deleted. Please also provide name, address, phone of who verified this 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: IL
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 taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. I didnt never use this card and all of the charges are not mine this is the second time and Wells Fargo is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize nobody too. My authorize user didnt never not use no card because I didnt even give it to he.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, TRANSUNION AND XXXX, through there paid subscription gives authorization to XXXX XXXX TO ACCESS THIER SYSTEM REMOTELY GIVING THEM SOLE AUTHORITY TO REPORT CONSUMER ACCOUNTS AS VERIFIED ALSO THESE THREE COMPANIES GAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO CLASSIFY A CONSUMER ACCOUNT AS NOT BEING FRAUDULENT WHILE SIMULTANEOUSLY PROHIBITING TRANSUNION, XXXX AND XXXX ALONG WITH THE CUSTOMER FROM DISPUTING THE ACCOUNT AS FRAUDULENT. IN PLAIN ENGLISH AFTER A BUREA BLOCKS AN ACCOUNT AS FRAUD ANY PAID SUBSCRIBER CAN ACCESS THE ACCOUNT AND UNBLOCK IT AS FRAUD AND PREVENT THE CREDIT BUREAU OR THE CONSUMER FROM CHALLENGING ITS LEGITIMACY AS FRAUD EVER AGAIN! GIVING A PRIVATE PAID SUBCRIBER THIS BIAS AUTHORATIVE CONTROL VIOLATES THE FCRA IN ITS ENTIRETY. No consumer has any rights whatsoever given the access given by these three major bureaus. The above information was provided by a supervisor of all three bureaus. 

These accounts is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!

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 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One sent me a card and it was a credit limit of {$300.00}! When I tried to use it, it declined. I called the company and asked why and the representative said, because I didn't meet their standards! How didn't I meet their standards, but they sent me a Capital One credit card! They got over on me and I will reach out to the attorney general, due to my credit being ran, deception and discrimination. I can not be denied credit due to the law. I even sent a Adverse Action, letter according to the law! And I still was denied credit. According to the law, Adverse Action 15 USC 1681 ( d ) ( 6 ) - is the law that they need to read. It is ILLEGAL TO BE DENIED, BUT yet.. they ran my credit... and was still denied! This is a LAW THAT WAS BROKEN! AND CAPTIAL ONE Frauded and discriminated against me, because I was an applicant. Therefore, banks are required by LAW TO provide funding! The have revoked my rights as a citizen and have broke the law! These acts have cause defamation of character and denial of credit! These are some of the damages that Capital One has done! That said, actual damages to my credit report has cause serious issues to my livelihood, because of their negligent which is a violation! These issues are under the FCRA and ought to be handled accordingly. I was basically discrimination against, 15 USC Code 1691 ( a ). It shall be unlawful for any creditor to discriminate against any applicant, with respect to any ASPECT OF CREDIT TRANSACTION.

IN ADDITION, ACCORDING TO THE LAW ... 1002.4 GENERAL RULES.

Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding ANY aspect of a credit transaction. The Law speaks of creditworthiness, administration of accounts, and treatment of delinquent or slow accounts. 

This should also be taken up with the Attorney General and the FTC and Banking Institution, because Capital One is operating in FRAUD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  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 2015-09-02
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. 

How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

Company response to consumer: Closed with explanation