BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For some reason I have multiple inquires on my report that I did not do and accounts I did not create. I have written the credit company multiple times about the inaccurate information and they have done nothing about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account : XXXX XXXX XXXX Account Number : XXXX Verification : Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

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 2023-08-23
Company: EQUIFAX, INC.
State: DE
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 Account # XXXX XXXX Account # XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed CONSUMER XXXX XXXX XXXX XXXX XXXX  numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.

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 2022-07-22
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Last year I sold my personal vehicle and cancelled my personal car insurance. I then purchased a buslness policy to cover myself in a vehicle owned by my business. Lexis nexis have now list me as having a gap in insurance coverage which is incorrect. I had personal insurance and business from XXXX  This error is going to cause a double premium for no reason. I need it fixed before I step up to legal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.

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 2019-08-23
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am making a complaint against Experian in regards to a reinvestigation that has not resolved my dispute nor under my rights under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). to get  how they verified a account was correct on my credit report. I have called Experian and requested verification of How they claim the company reported the information is accurate and I also sent in writing to Experian requesting how it was verified and have received NOTHING the first investigation and now on the reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX, a natural human being and consumer, requested my personal information be updated, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, by certified mail to letter to Equifax and XXXX. 
Today is XX/XX/2022, Equifax and XXXX have chosen to ignore my request and continue to report false information on my credit report, therefore, causing harm to my credit profile and unwarranted stress to me mentally, physically, and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence ( # XXXX ) is trying to collect payment on an ambulance service that allegedly occurred 7 YEARS and nearly 3 MONTHS ago. This issue was resolved 7 years ago when my insurance company, XXXX XXXX, paid the amount that I was legally responsible for and informed me and the vendor, XXXX XXXX XXXX, that no further payments were due. That was 7 YEARS ago. Now I receive a threatening letter and then tell me on the phone that if I pay a portion of the alleged debt that would resolve the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NJ
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 recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent. I noticed that you weren't even investigating and you completely ignored my disputes even though the law requires you to do so. Now I have sought the advice from an attorney. He mentioned the FCRA and I'm fully aware that I have a right to dispute any questionable items or information reporting. And I also know that you are required to conduct a reinvestigation as required and that you have a period of 30 days to conduct it. He stated according to Section 611 ( a ) ( d ), I demand that these items be reinvestigated & deleted from my credit report. Section 609 states you NEED to provide proof of the account disputed and questioned form a document with their name on the letterhead. Why are the documents not presented here when asked as you continue to ignore my demand? It is your duty to update and correct information. Failure to do so, will result with another meeting with my Consumer Law Attorney to enforce my consumer rights legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumers have the right to opt out of any reporting per 15 USC 6802-6805 16 CFR 313. There has been a violation of consumers privacy ( 15 USC 1681 ( b ) ). This issue is with Early Warning as they have access to bank transactions. There would need to be proof that the banks has given out private information, person spoken to or written communications as well as any documents/ application wet ink signatures of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To : Costumer Financial Protection Bureau XX/XX/2019 URGENT From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX e-mail : XXXX Phone # XXXX This is report of harm, abuse and violation by Chase Credit Card. 

I am victim of Case Credit Card. I have reported over the phone ( conversation recorded ) to Chase Credit Card unidentified charges to my account. Case Credit Card responded that this charges come out from subtracting one credit from another credit and received result of this subtracting Chase Credit Card applied as charges to my account. Case Credit Card begins charge interest from this alleged amount although I have requested correction or dispute. 

Credits to account can be only subtracted from amount to pay. Subtraction one credit from another credit and result applying as charges to account is ridiculous. A asked over the phone ( conversation recorded ) to correct this issue numerous times without success. 

Therefore I described this case by letter and submitted personally to Case Credit Card. Case Credit Card has refused to give me receipt on copy of this letter. I received finally receipt from other branch. 

This case remains not resolved. Therefore I am asking Costumer Financial Protection Bureau for action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 disputed items and an investigation ( 15USC 1681a ( e ) ) was not done. I called and was told their investigation was send over my dispute to the same company ( entity/corporation ) that committed and or allowed the identity theft, and Fraud to send over the same fraudulent documents and say it was verified ( 15USC 1681q ( 3 ) ). I do not own the debt and or did not make the transaction or consent or give authorization to a contract. 15USC 1681c ( 2 ) 15USC1681a ( 2 )

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 2022-03-12
Company: Experian Information Solutions Inc.
State: NY
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2020-09-25
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to Experian signed and post dated XXXX requesting that Experian investigate and remove two ( 2 ) inaccurate items reporting negatively on my Experian Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Experian had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from my credit 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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-08-23
Company: CITIBANK, N.A.
State: FL
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 made a restaurant charge at a restaurant called XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX. 

The charge was billed to me in dollars after I requested the charge to be in pesos - the local currency. The exchange rate  the restaurant charged was {$200.00} over the going exchange rate. When I asked multiple times for the correction, it was refused. I consider the exchange rate scheme to be FRAUD by the restaurant. 

I disputed the charge 5 times or more with CitiBank [ the issuer of the credit card ] and they refused to make an adjustment because they said that the charge was correct. I explained that the charge was not correct because they used a fraudulent exchange scheme. Citi refused to be helpful. I tried to reason with them and said that I would file a complaint with the CFPB and they offered me a {$100.00} settlement. I said that I would not accept the settlement because of the fact that the restaurant would get away with the fraud and that I was disappointed that the bank would not support its customer after I made the argument.

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 monetary relief
Consumer complaint received 2022-11-08
Company: HW Holding, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections notice in XX/XX/XXXX from XXXX XXXX for a debt, that I don't owe. I can upload documenting that provides proof that the ledgers are falsified.XXXX XXXX has unethical business practices and are trying to collect rent from tenants and government assistance. My rental assistance was paid up until XX/XX/XXXX. There was a eviction case that was voluntarily dismissed due to the court findings of the rent being paid and no balance. In addition, the lawyer 's ledger contradicts XXXX XXXX XXXX XXXX XXXX which shows proof of falsying. In addition, I will show proof of payment that was paid in XXXX XXXX, therefore I could have no balance but on XXXX XXXX XXXX XXXX I have a false balance. There's uploads to refer to as proof. There's also a conversation with XXXX XXXX, property manager in XX/XX/XXXX about the {$3600.00} owed to me so I couldn't have a balance!

Company response to consumer: Closed with explanation