BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-13
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXXXXXX {$960.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXXXXXX XXXX {$710.00} XXXX XXXX XXXXXXXX {$8800.00} XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Under federal law, they have thirty ( 30 ) days to complete there investigation. Please note that I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days after the investigation is finished.

I have disputed this matter on multiple occasions, and in each instance, they have failed to conduct a thorough investigation. There actions are in violation of the laws outlined in Section 611 ( a ) ( 1 ) ( A ), as you have neglected to provide the required method of verification as stated in Section 611 ( a ) ( 7 ). Furthermore, theyvare also in violation of Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by not promptly removing all unverified reporting.

I assume you are familiar with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). To remind you of what constitutes legal validation, please find below a list of the necessary documentation : * Complete payment history, as established by Spears v Brennan, 745 N.E.2d 862, 2001 Ind. App. LEXIS 509. 
* Verification by line item, including an explanation for each item such as the purchase date, item cost, receipt of goods, and dates of receipt.

* Date of Last Activity.

* My full, complete, and correct social security number for identification purposes.

* Agreement bearing the alleged debtor 's signature, wherein they agreed to pay the original creditor.

* The obligation between me and the creditor that authorizes them to collect the alleged debt, along with any relevant transactions binding me to an agreement to pay their company.

* Proof of photo identification ( e.g., driver 's license, state card, or other government-issued ID ) presented at the time of purchase.

Furthermore, They have also violated numerous laws of the FCRA and FDCPA, including but not limited to : * 15 U.S. CODE 1692 ( B ) ( 4 ) * 15 U.S. CODE 1692 ( G ) * 15 U.S. CODE 1692 ( D ) * 15 U.S. CODE 1692 ( F ) They have also violated 15 U.S. Code 1681, which pertains to civil liability for willful noncompliance, and 15 U.S. Code 16810, which addresses civil liability for negligent noncompliance.

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 2023-01-18
Company: EQUIFAX, 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 status incorrect

Complaint:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax and XXXX credit report : Account name : XXXX XXXX XXXXXXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). 

I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. 

It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO FIN Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX CREDIT/TURN AUTO M Auto Dealers, Used XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO FIN Auto Financing XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX CREDIT ACCEPTANCE Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO Auto Dealers, Used XX/XX/23 XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/23 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX CREDIT ACCEPTANCE Auto Financing XX/XX/23 XXXX XXXX CARDS XXXX Bank Credit Cards XX/XX/23 XXXX XXXX XXXX XXXX XXXX, Used XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX TCI/FIRST HELP FINANCI Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX CO Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/23 XXXX XXXX XXXX Bank Credit XXXX XX/XX/23 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 XXXX  has violated my rights. Or a list of inquiries : 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 2021-09-09
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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

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 2020-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent an electronic payment of {$200.00} through my online banking ( CHASE ) that uses XXXX to send money on XX/XX/19. The other person received a confirmation text for the money but the money was never deposited to them. I was advised through my bank to wait 10 days for the money to return to my account since the recipient has not received funds. I waited 10 days and nothing was refunded to me. I filed a claim through my bank for the loss due to the money never being returned to me. I was given a confirmation number of XXXX from a manager by the name of " XXXX '' and was told that they would extend a courtesy refund. 
I have not received my money back, the recipient never received the money. XXXX refers me back to my bank, my bank now says there is nothing that can be done and that my money is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name/Account Number XXXX XXXX XXXX  / XXXX In accordance with the fair credit reporting act convergent accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 206 A. States I have right to privacy.

15 U.S.C 1681 Section 206 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 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 2019-02-12
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I am uploading a letter I received from Experian credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX has corrected these items and received confirmation to delete off my report but Experian is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2021-07-15
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I was checking my consumer credit file and noticed an account from RMP LLC for the amount of {$340.00}, I never recievd any documents from this company stating I owe them anything. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Chime Financial Inc
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I Have Been In Dispute For Months, Since XXXX Of XXXX With Chime Bank For Fraudulent Transactions Thats Were Made Onto My Account. For Months I Filed Claim After Claim And Being Constantly Denied Because They Claim To Have To NEEDED A Police Report. The Police Department Wouldn't Release My Report Until The Case Was Closed. After Months Of Trying With No Solution They Finally Released My Police Report And I Was Able To Send It In For Review A Month Ago. THEY STILL DENIED ME! Even When It Clearly States That My Card Was Stolen And They Used My Card To Make Fraudulent Charges! I Had To Order A New Card Immediately After The Incident And This Happened The Day Before My Birthday. When I Made The First Dispute With Chime I Had To Make The Disputes In 2 Separate Claims Because Chime App Only Lets You Dispute 4 Transactions At Once And There Was XXXX Of Them. The First Dispute Was For XXXX Transactions Totaling {$190.00}. The Second Was For XXXX Transactions Totaling {$16.00}. The Transaction For {$16.00} Was Immediately Approved Within The Next 2 Days, But They Have Been Constantly Denying Me My {$190.00} Thats was ALSO APART OF THAT DISPUTE. I Filed Both Disputes The Same Day, One After The Other, So Also Close In Time. They Also Both Had The Same Description As I Just Copied And Pasted It Because They Were Both For The Same Instance. How Shady Does It Look For Them To Approve My {$16.00} Dispute Almost Instantly But Put Me Through XXXX The Last 7 MONTHS FOR THE REST OF MY MONEY. I Have Provided Them With Everything They Have Asked For But They Still Continue To Deny Me Even With The Evidence Right In Their Faces! Im Looking Into Pursuing Legal Action And Suing The Entire Company As A Whole!

Company response to consumer: Closed with explanation