BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$790.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$610.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX XXXX : {$490.00} This is XXXX XXXX I assume all these companies are the same people because I have done no business with them and all the companies mentioned above have no license to legally collect any debts in my state of Pennsylvania. I don't understand how they can report debt to my credit report when I have no agreements with them??? 

I would like all accounts and negative remarks deleted from these companies mentioned above asap. 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 2023-02-19
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third 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 FTC and Under 15 U.S. Code 1681b 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 2022-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has made claims to have verified an item on my credit report with XXXX XXXX and the items is not even showing on my consumer report with XXXX XXXX because it has been removed by them because they also could not verify the item. 


I have written confirmation from everyone they have listed on my credit report and on their website as their source used to verify this data and none of which agrees with Experians claims and/or statements. These sources include, The Michigan Bankruptcy Court and XXXX XXXX. I contacted them directly and their responses are attached. 

The item XXXX XXXX XXXX XXXX  XXXX needs to be removed per the FCRA 15 USC S 1681 est seq.

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 2018-08-29
Company: I.C. System, 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: Information belongs to someone else

Complaint:
i recently noticed on my credit report a debt collection. This collection is for {$78.00} and was added to my credit report on XX/XX/2018 from IC System. A collection company I have never heard of. This reporting is inaccurate and laws have been broken. Now we all know that collection companies buy debt and do such illegally. Also, we know collection companies will call, harass and threaten consumers to get money they paid another company for your debt. Also, even though a collection company buys debt, the consumer can still pay a debt to the original company. However, this company that added this supposed debt did not follow the law. According to law, you must first contact the consumer and make them aware of any debt to that is owed and be sure a debt is even owed, then you must send something in writing and give the consumer time to agree and make arrangements. Furthermore, this company failed all aspects. I know nothing on this debt, was never contacted by any means and I have not signed any legal document in regards to this company. I have contacted my local postal carrier and it shows nothing from this company. Now I have contacted my local attorney general office and family attorney on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My son passed away on XXXX and he had opened an acct with Chime Financial. I dont know the exact amountbut its around {$860.00}. He had no one listed on his acct to receive his money upon death. He is divorced, and I am his next of kin, being his mother. I have all kinds of identification, including his death certificate, birth certificate, social security card, drivers license and his drivers license. I also have his Chime debit card. I also provided them with my drivers license, front and back and my social security card. They want me to go to our court system and get a small estate certificate ( which will cost me {$400.00} + ) not cost effective, since he only has {$860.00} in his acct. Im not going to spend that kind of money when I already have plenty of proof of who I am. I have been going back and forth by email with them since XXXX called and their partner, XXXX, tells me they just provide the debit cards. Chime has so many similar complaints. They just seem to hang onto peoples money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-25
Company: Experian Information Solutions Inc.
State: OH
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 sent a letter on XX/XX/21 regarding inaccurate account with XXXX XXXX reporting on my credit report. THIS account is inaccurately reporting across all three credit bureaus and is damaging me. To this day over 60 days later I have not received a response yet. Section 611 ( a ). it is stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand the account be deleted immediately or I will file for litigation due to the stress you caused me. I have attached a copy of the report along with proof of identity.

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 2019-06-06
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my Credit Report and noticed Fidelity Creditor Serv. listed on my report. I do not have any prior business relationships with this company. Please communicate by usps mail only no phone calls. I am requesting that this be deleted from my Credit Report right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: NJ
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:
I have received my Consumer Report and noticed the following inaccuracies : I am not liable for the debts with the following companies listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies not only have never entered into a contractual agreement with me but are not even authorized to collect a debt in the state of New Jersey as they are not registered to do so : 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 After requesting proof of the legitimacy and lawfulness for these accounts none could be provided therefore I am requesting that Experian adhere to the Fair Credit Reporting Act by reporting only accurate information as stated by the law.

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 2020-01-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I submitted a complaint, File # XXXX and I have not heard from this Company to date..Once Again!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was denied for a loan modification by Wells Fargo. It took them months of back and forth until they finally made a decision to deny my loan modification. It is an FHA backed loan. They didn't give me a reason, state that I have {$0.00} in income after I provided paystub upon pay stub. I provided bank statements, tax returns. I asked on numerous occasions if there was anything else they needed from me. My home preservation specialist told me on several occasions that based on what he looked like all looked well and they would find something for me to qualify for. Towards the end of the process I emailed and called my specialist and they fell radio silent on me. Then I had to involve someone else who had to tell me over the phone that I didn't qualify and they couldn't tell me why. Now I am appealing however I think there is something shady going on with this. I am incredibly upset and am thinking of going public with this considering Wells Fargo is already in trouble for doing such nonsense to their consumers.

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: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I returned all XXXX equipment and changed carriers now I am getting calls from diversified collectors saying I owe XXXX XXXX plus dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt was removed by XXXX and XXXX, but Transunion hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now XXXX is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is XXXX and Transunion refusing to remove this from m credit report. Please help get this removed. They never sent me a 1099-C either for my to claim this on my taxes.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Numerous disputes have been sent to TransUnion asking for a complete and thorough investigation into the inaccuracies listed on my credit report. The credit bureau has a public record ( Bankruptcy XXXX XXXX Discharged ) listed as " XXXX XXXX XXXX ''. They use third party vendor XXXX XXXX to scrape this information from XXXX  and they place this unverified information on consumers credit reports. I have asked the credit bureau how I am " Contractually liable '' if all my debt were wiped away and I'm afforded a fresh start. They have yet to provide me with their methods of verification as if its a military secret. They are and have been reporting erroneous information on my credit profile for 2+ years now. The last time they updated my credit report was XX/XX/2021. I am writing to show how unprofessional this credit bureau is and they have failed to due their due diligence in properly investigating my disputes. There is no where in my paperwork that states I am " contractually liable '' for any debt. Where did they receive this information from? They have yet to provide copies of paperwork that states I am contractually liable for any debts.

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 2019-01-02
Company: ERC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from 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 2023-05-02
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: Investigation took more than 30 days

Complaint:
I received a copy of my consumer report and found the following items to be in error, inaccurate, invalided and false : I'm a single mother and my consumer report is vital to my lively hood. These inaccurate account are causing me XXXX and stress and its prohibiting me from receive a good good to feed my family. 

1. The following personal information is incorrect Employers : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete from consumer report 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete from consumer report 4.Inaccurate and false RESIDENCE ON MA Account Number : XXXX Delete from consumer report 5. XXXX Inaccurate and false Account Number : XXXX Delete from consumer report 6. XXXX XXXX  Inaccurate and false Account Number : XXXX Delete from consumer report 7.Inaccurate and false XXXX Account Number : XXXX Delete from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Was not notified of investigation status or results

Complaint:
This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.

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 2021-06-09
Company: EQUIFAX, INC.
State: VA
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 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 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 2023-12-15
Company: DISCOVER BANK
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:
In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kindly note that the presence of this information contradicts the regulations set forth in 15 U.S. Code 1681i ( 5 ), which specifically addresses the removal of inaccurate or invalidated credit information. As such, I respectfully request the immediate removal of this data. 

According to my records : 1. XXXX 2. Chrysler Capital 3. XXXX XXXX XXXX XXXX 4. XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third 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 FTC and Under 15 U.S. Code 1681b 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 non-monetary relief