BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
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 complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: SC
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 name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXXXXXX XXXX  XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2023-06-06
Company: Convergent Resources, Inc.
State: VA
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 contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!

Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT. 

As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX Convergent Outsourcing 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 2023-11-15
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

29 U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. Credence Resource Management are not listed on the Louisiana Secretary of State official website business entity filings to collect a debt in the state of Louisiana. This company have been listed as permanently closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. A letter from me to Central Financial Control dated XX/XX/XXXX ; 2. An original of a sworn affidavit signed by me captioned as an Authorization For Release Of Personal And Medical Information And Records dated XX/XX/XXXX ; 3. A letter to me from XXXX XXXX of Central Financial Control dated XX/XX/XXXX ; 4. A letter to me from XXXX XXXX of Central Financial Control dated XX/XX/XXXX ; 5. A debt collection demand letter dated XX/XX/XXXX to me from Central Financial Control ; 6. A letter from me to Central Financial Control dated XX/XX/XXXX which contains as attachments the XX/XX/XXXX debt collection demand letters that I received ; 7. A letter from me to the Administrator of XXXX XXXX XXXX XXXX dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland funding at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I'm requesting CFPB to assist me in the removal of old outdated reporting by XXXX XXXX. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you

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 2019-12-10
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have been a loyal customer of American Express since XXXX. On XX/XX/XXXX, I was going over my transactions history and noticed a bunch of transactions that I didnt recognize. I immediately called American Express Serve Customer Service and informed of unauthorized use of my card. XX/XX/XXXX : I submitted a police report to the Police Department advising of fraudulent use of my card. XX/XX/XXXX : I have received an e-mail from the bank advising that my claim was declined based upon their investigation. I called back the Customer Service. This time, the Representative e-mailed me a Declaration of Fraud form that I completed and promptly returned to them. XX/XX/XXXX : I have received their e-mail, advising that my claim was declined based upon their investigation. I was really shocked to learn that American Express has determined that no error occurred and that transactions in question were authorized. I live in XXXX  Virginia. The majority of the fraudulent transactions were done in XXXX, FL. I have not been to XXXX, FL, or anywhere near Florida, in XXXX or XXXX of XXXX. I did not do the below transactions, and I did not authorize anyone to use my card. I included the all transactions, including date, amount and merchant name as an attachment. The same day I called their Customer Service. The conversation with the Representative on the phone did not go well. I asked the Representative to explain the reason why my claim was declined for the second time and why these fraudulent transactions are not eligible for a credit to my account. In response, I was told to check my e-mail. I explained that I have that email right in front of me and that it is still unclear to me why my claim was declined. However, I again was advised to check my email. Customers trust the bank with their money and in my honest opinion, are entitled to a simple explanation. I asked to speak with a manager. My request was ignored. I was told that the investigation was already closed and that I should check my email. I was then advised that I violated cardholder agreement and now my account is suspended and I no longer have any rights and privileges to use my card. I was told to check my email once again and at that point, the Representative ended the conversation and hung up. The Representative handled this conversation very unprofessionally, was rude and disrespectful. This is not a level of Customer Service a frustrated customer would expect. After that, I have sent a mail with detailed explanation of the situation. Still, nothing in return. I have called many times once again, hoping to get my money back. Almost one year has past but all my attempts to get my stolen money back were unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
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: Investigation took more than 30 days

Complaint:
Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX SSN : [ ssn ] | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy Thank you, 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 2023-02-01
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting 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 2023-12-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company asking for money for my utilities and i don't do business or heard of this company ever in XXXX XXXX in the Amount of {$140.00}. I don't owe them XXXX  XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: VW Credit
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have an issue with the Audi Financial Services. At the end of my lease program, I decided to buy out my vehicle. Maturity date for my lease was XX/XX/XXXX. I overnighted them a certified check in the full residual amount of {$32000.00}. They have received my check on XX/XX/XXXX. Since then, they keep sending me letters that I have never paid off or returned my vehicle and that I will be billed accordingly. I called them on XX/XX/XXXX, spoke with XXXX extension XXXX and was assured they have received my check and it will be applied to my account and I should receive my title shortly. Today, XX/XX/XXXX, I have received another letter in the mail stating that I havent purchased or returned my vehicle yet. I looked up my account online and there is a total due {$620.00}. I keep calling them, they tell me everything will be applied and processed but nothing is being done. They will ruin my credit score. The phone number I am calling them is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
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. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date opened : XX/XX/2019 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 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 2021-08-26
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I did a review of my credit through Equifax. I noticed a hard inquiry was ordered on XX/XX/2021 from XXXX XXXX  which I did not authorize. I immediately disputed this with Equifax and also filed a complaint with your office. I received a correspondence from Equifax dated XX/XX/2021 and have enclosed this along with a letter from XXXX XXXX about not approving the application due to identity non being able to be verified. I did not authorize this and it appears to be fraudulent. Somehow someone got my information and tried to apply for a line of credit under my name. I have spoken with someone at XXXX XXXX and they have assured me they will report the error to Equifax. Now it will be up the Equifax to remove this inquiry from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is a written notice to XXXX XXXX XXXX who acts as ceo of legal fiction Transunion that I the consumer XXXX XXXX the agent of XXXX XXXX see inquires that I did not authorize or consent to block and remove them now.

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 2021-08-26
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Ordered a service for a move in XXXX of 2020 which was incomplete. When I explained to the credit card company, they filed a " temporary reimbursement '' then confirmed the merchant shouldn't be allowed to rebill me as I'd provided sufficient evidence. I later received from the credit card company, documents I'd had never been provided by the merchant " XXXX XXXX XXXX XXXX XXXX MN '' claiming I signed additional documents approving an incomplete service. I clarified with the merchant whom didn't bother to come back to finish the service when called or lay down floor protectant ( leaving additional costs to me ) there were additional and inapplicable charges as well as missing items ( owner said, maybe it got lost on another shipment ) the company never fixed or replaced. They also didn't unbox and put everything away as agreed much like leaving with plenty of truck space and not returning to clear out the garage. 
Chase requested new documents every time and even after sending photographic evidence of the cleaners I needed to hire, the refusal of the business owner and corporate to provide insurance information to fix my damaged belongings, the empty promise the owner of the moving company " would fix it personally or deliver it himself '' and pay for the four trips back, they allowed the merchant to rebill. When I asked them why they would do such a thing Chase replied " we can't control the merchant ''. 
Ultimately I paid > {$5000.00} when I was informed the maximum cost by the personnel giving the quite would be {$3500.00} yet was charged for a partially empty truck bed and unloaded at the wrong address outside ( also charged for ) and never assisted to unpack and charged for as well. I asked Chase to contact their insurance company as I even filed a police report due to the movers stealing items and they still allowed the charges to remain. I requested my copies of the repeat filings they asked for from me and verbatim a staff member said " it's probably time to hire an attorney '' when accepting the moving company was allowed to submit forged documents and Chase accepted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX Balance : {$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 explanation