BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have Disputed this Account about removing XXXX XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX Edition A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, XXXX NOR TRANSUNION to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates below : Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Updated Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Public Record REF # XXXX .... 

Remains TransUnion Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process XXXX Dispute status All disputes ( 4 ) Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX The is an attached letters and documents

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 2019-01-27
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sears wrote to me and said my credit card could be closed due to non-use. I used the card for small purchase of {$1.00} for website domain, {$9.00} for an event and {$14.00} for XXXX XXXX vitamins. These charges were authentic and have been paid for. However, recurring monthly charges of {$14.00} were showing up for web hosting that I did not order through XXXX. I disputed the charges online and Sears says they credited the account once for {$14.00}, agreeing to my dispute. I was transferred to place a block on the recurring charge. I spoke to XXXX. I asked for a new card with new # 's and exp. date, but was turned down on XXXX. I was to be emailed a new status of my account with the credits applied and recurring charges to be blocked. My account would then actually have a credit. However, I am now receiving around 25 phone calls since XXXX that I need to call them back. I have actually received more calls than this, but this is just since I wrote the " cease and desist '' order. This was after I faxed a notice on XXXX to them to stop harassing me and not to call the house. I received confirmation that fax went through. I then followed up with a letter to Citibank to block the account and shut it down. Instead of replying to that letter directly, Citibank sends me a letter on XXXX asking if I'm having financial difficulty and threatens to ruin my credit with an amount due of {$36.00}. On XXXX it is now over {$75.00} sent by email. On XXXX I get a notice from credit karma that my credit rating has changed - it has dropped 180 points because Sears has reported the disputed charges as late payments. Now I am having a problem logging into the Sears card account to check the account status. I can see why the Sears company is in danger of going out of business forever!

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 2020-12-13
Company: Experian Information Solutions 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:
Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.

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 2019-09-17
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the past 2 years, Wells Fargo was withdrawing monthly fees from my account until it was completely depleted. It took me several phone conversations over multiple days to get the account shut down

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
After reviewing my credit reports I noticed that it was an account from XXXX reporting negative on my report. I reached out to XXXX on multiple occasions to get more clarification on this billing error, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice or proper disclosure with my option/right to opt out of reporting any PRIVATE NON-PUBLIC information without my written consent in the first place. 
I have attempted to get proper documentary evidence for clarification of the billing error or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the documentary evidence that I owe them anything and this isn't a billing error ; along with proof that proper discloser was provided to me of my right to opt out of my private information being reported to non affiliated third parties. 
I have also notified the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for 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 non-monetary relief
Consumer complaint received 2020-12-13
Company: Experian Information Solutions 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 recently filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: NJ
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 sent out Letter to Remove Inaccurate Credit Information from XXXX, Experian and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to XXXX, Experian and 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 2019-09-25
Company: Experian Information Solutions 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:
My XXXX XXXX account was closed and charged-off. XXXX XXXX kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, XXXX ( XXXX ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

XXXX XXXX ( XXXX ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
Experian shows FP for this account every month which means Failed to Pay. On another screen in Experian it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from XXXX, XXXX or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.

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 2023-11-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was presented in an email from Chase Bank the Chase XXXX credit card application ( see attachment below ) and advertisements on television like on the XXXX XXXX channel. The email I received presented this like a credit card application. After I made my first purchase, I received a payment statement demanding the entire amount of the balance be paid. There appeared to be no month-to-month payment option. On XX/XX/23 at approximately XXXX I called the XXXX number on a letter sent to me and spoke to XXXX ( ID # XXXX ) who could not respond to my card payment options problem but instead transferred from his " payments '' department to XXXX in the " customer service '' department who insisted that I be transferred back to the payments department. This kind of misrepresentation in print, email and television and inability of Chase Bank representatives to address this problem is shameful and disgraceful. These misleading and aggressive practices that I liken to loan sharking tactics. I wish to have a payment program typical of a credit card with normal and customary interest rates and terms, not the 30 % and immediate payment as imposed by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian is violating my federally protected rights. 
Experian was required by law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device pursuant to 15 USC1681a ( b ) ( 2 ) they failed to do so by furnishing the following account : XXXX XXXXXXXX XXXX XXXX. 
They were also required by law to get my written consent before furnishing my consumer report pursuant to 15 USC 1681b, they failed to get my written consent, they are civilly liable to me pursuant to 15 USC 1681n, this is my relief : STATUTORY DAMAGES {$2000.00} ACTUAL DAMAGES {$10000.00} Totaling {$12000.00} for monetary relief. 
THEY WERE TO REPORT ACCURATE INFORMATION THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME NOR HAVE I GAVE THESE COMPANIES THE AUTHORITY TO ACCESS MY CONSUMER REPORT. OMIT THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MXXXX  XXXX DUE TO THERE FAILURE TO COMPLY WITH FEDERAL LAW THEY HAVE CAUSE ME TOTAL DISTRESS AND MULTIPLE DENIALS.

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 2022-11-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-13
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 recently filed a report with XXXX, Transunion, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and Transunion removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have account that appear on my credit file I believe its fraud

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