BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX 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 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 explanation
Consumer complaint received 2023-07-26
Company: Synerprise Consulting Services, Inc.
State: AZ
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've been trying to apply for apartments due to damage to my credit I've been denied. According 15 USC 1681 law this is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is still reporting on my credit report when it was supposed to be removed XX/XX/2021.

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 2022-05-23
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: Was not notified of investigation status or results

Complaint:
I sent a letter to the Credit Bureau on XX/XX/2022 and XX/XX/2022 and have not received any response via mail or any other communication regarding the accounts that I have requested verification and validation of the debit. According to the FCRA credit bureaus are required to validate each debt they report with in 30days and reflect on a consumer 's report to ensure the validity of that debt with an original signed contract for validity of the debt. No action has been taken because I have repeatedly sent letters and have not received any response in a timely manner nor do I have an original signed contract stating regarding this matter.

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 2023-10-17
Company: Experian Information Solutions 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act XXXX the following Accounts XXXX XXXX account # XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX Balance {$500.00} XXXX XXXX account # XXXX Balance {$8000.00} XXXX XXXX XXXX account # XXXX Balance 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.

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 2021-10-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient told me was best to Consolidate my Loans without telling me that it was going to drop my credit score 30 points for consolidating loans thats been on my credit for over 10 years in this hurt me more than help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). Apple Card accepted this companies generic website pages as proof of purchase. I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.

Goldman Sachs has failed to protect me the consumer allowing a company fraud me out of {$4500.00} when I have clearly supplied evidence XXXX has deleted my account and disabled my account since I submitted a dispute with that company.

The document included shows my account has been deleted and disabled.

Goldman Sachs just now provided me with my account number.

This needs to be refunded 100 %!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: National Credit Adjusters, LLC
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a call from the initial creditor on XX/XX/XXXX. They stated I had a bill that needed to be paid. It was roughly {$400.00}. There was an Agreement to pay about {$200.00} of that. They said if I did not pay it then it would be sent to collections. I attempted multiple times over the phone to pay, and even attempted on the website. The website appeared to take my payment but there must have been something wrong or it was not working because they have no payment confirmation. I exhausted every available option to pay the debt. They said that as long as I paid a certain amount it would be fine. Now my account was sent into collections and I have not received a debt verification letter. I tried to get a copy of the XXXX minute phone call to verify that their system was down when I attempted to pay my debt. I am not sure what to do. The original creditor and the collections agency are not very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
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 XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}

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 explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MS
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:
As the CFPB already knows EQUIFAX has been found guilty of furnishing incorrect data on our consumer reports, especially credit scores. EQUIFAX has furnished XXXX XXXXXXXX an incorrect credit score of XXXX on XX/XX/2022. This inaccurate information has caused me to receive an unfavorable credit limit which is a direct violation of my right to credit. This is a direct violation of 15 USC 1681 ( a ). EQUIFAX is also reporting inaccurate late payments on my student loan accounts DEPT OF EDXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CREDIT REPORT INQUIRY REMOVAL I have written this letter to dispute a Credit Inquiry that is falsely listed on my credit reports. 

Company Inquiry Reported To : XXXX XXXX XXXX Date of Inquiry XXXX XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed. I have already submitted a request for removal to the company directly more than 30 days ago, and the Inquiry is still being reported on all three of my current Bureau Credit Reports.

This is my official request to have the aforementioned item to be deleted off my consumer 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 non-monetary relief
Consumer complaint received 2021-10-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX entered into a consumer credit transaction with JP Morgan Chase Auto Finance via automotive dealer XXXX XXXX XXXX on the evening of XXXX XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 states that a finance charge is the sum of all charges in a consumer transaction. The finance charge is not supposed to include cash, but XXXX XXXX XXXX in fact insisted that I put a " down payment '' on vehicle, originally asking for {$6000.00} cash for the vehicle, but changed this due to the sales rep stating I would only have to put {$3000.00} cash down, before discussing with the finance manager. XXXX XXXX XXXX took {$3000.00} cash from me on behalf of JP Morgan Chase Auto Finance. Also, the finance charge is supposed to include auto insurance, but XXXX XXXX XXXX made me purchase insurance separately. There was no list shown or given during this consumer credit transaction. Furthermore, After learning I was violated as a Federally Protected Consumer under multiple FDCPA laws, on XX/XX/XXXX I had an Affidavit of Truth, Affidavit of Notary Presentment, Invoice and Exhibits from Contract, notarized and sent to JP Morgan 's registered agent XXXX XXXX of XXXX Texas via certified mail on XXXX XX/XX/XXXX citing the violations against a Federally Protected Consumer in which they know they violated. JP Morgan first Registered Agent mailing address was in a warehouse in which no one signed for the certified mail and was returned to my home. I then took picture of the returned mail, and resent it via certified mail on XXXX XX/XX/XXXX to registered agent Chase Auto Finance, XXXX  XXXX  XXXX  in XXXX texas in which it was signed and delivered XX/XX/XXXX. It has been over 45 days and I have not heard back from JP Morgan Chase Auto Finance. I would like a reply to the delay and remedy due to the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$270.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} COLLECTIONS XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXXF XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$780.00} XXXX XXXX {$2400.00}

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 explanation
Consumer complaint received 2023-01-12
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report constantly. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper five validation procedure which makes this an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, EXPERIAN, and XXXX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable 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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that are not mine. Please remove.

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 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A job reached out to me from XXXX and I interviewed and got the job. I filled out paperwork and got a check for my hardware and I deposited it. It was {$2800.00} Then I had to wire money to XXXX XXXX XXXX at Bank of America with the account number of XXXX and routing number XXXX. Then they called asking for more money and I got skeptical. I tried cancelling the wire transfer but they didnt seem hopeful and couldnt promise me anything. The fake company XXXX XXXX posers sent me yet another check through email which Im supposed to deposit on Monday but Im keeping them on the hook until authorities can help me. 
I spoke to 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 explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
In accordance with the fair credit 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 an 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 any 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 non-monetary relief