BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXBalance : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}

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
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act XXXX FCRA XXXX and how it is reporting my credit information. 

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.

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 2023-07-07
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:
This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX XXXX XXXX  ) ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!

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 2021-12-08
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I needed to rent a venue for a performance So I spoke with a man on the phone from XXXX XXXX XXXX  in XXXX.They assured me that they had everything that I needed regarding sound, and stage. A few days before the event My team reached out to confirm everything. It turns out they didnt have the sound system we needed for our event. Plus upon checking my bank statements I was charged extra and was going to be charged fraud double fees in the future. So I told the venue XXXX XXXX XXXX that I did not want to use their event space anymore for false advertising and fraud charges. They refused to return the money they charged which was in the amount of {$1400.00}. It has been months and theyre refusing to return my money even though I never used the venue. Beware! So I attempted to dispute it with the bank account I used ( MoneyLion ), uploaded all the required documents and did everything that theyve asked .... still no money. Its four months later and MoneyLion has been giving me the run around! Ive asked to speak with a supervisor and they always say theyre going to call me back. I have not received a call. I received an email saying that my dispute was going to be resolved on a certain date within 90 days. Its been well past 90 days and no results! I thought as my bank you were supposed to INSURE my money. Yet they have not been any help to me. I uploaded everything, even proof that I never used the venue to begin with! I sent emails to the bank and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Community Cash Management Corp.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past month I have been receiving 3 to 5 phone calls everyday I asked them to call me less that I understand that I have a debt and will pay when I receive a bill in the mail I have yet to receive a bill but still am getting 3 to 5 calls a day and they leave a voice-mail everything they call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This bank reversed over {$8000.00} worth of checks written to me from my father. They reversed them claiming forgery when it clearly wasn't and if they looked at the checks and signatures they would realize that. They never gave me an opportunity to dispute these reversals or anything. Upon contacting them they said they can't do anything about it which I don't see how when they were the ones that clearly did it and they could have easily just looked at prior checks to see matching signatures but instead they just reversed it without giving me a chance to dispute it after the fact or anything. He said never reversed them so who did and why is anyone allowed to reverse checks that don't belong to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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 information incorrect

Complaint:
We have been customers with XXXX XXXX for 4.5 years - XX/XX/2014 during that time we have never made a late payment on account number XXXX. That is until this year dated in XXXX. 

If you review my file history you will see I did in fact make payments on time for XXXX, XXXX and XXXX. The payment had gone up XXXX dollars in XXXX without my prior knowledge. XXXX XXXX took the payment that I have been accustomed to paying via bank draft as it does every month. Same as XXXX and XXXX. 

On XX/XX/XXXX I received the first notification from XXXXXXXX XXXX stating my account was past due, confused and unaware of why it would be past due I contacted XXXX immediately. It was on XX/XX/XXXX that I was made aware that my account was {$90.00} short ( {$30.00} XXXX {$30.00} XXXX {$30.00} XXXX ) and had already been reported to the credit bureau. On XX/XX/XXXX I also learned that the amount debited from my bank account had been placed in a reserve account with XXXX. NOT including XXXX, which XXXX accepted. 

I travel for work and am only home 3-4 days a month had no idea that my XXXX payment was going to be placed in a separate account. Same as my XXXX payment. When looking at my bank account the funds had been accepted just like XXXX. I never once received any sort of notifications of this. 

According to my bank account information and payment history I have always made my payments on time. My credit has lowered 100 points based on this {$90.00} XXXX XXXX  did not provide ANY communication to me about the reserve account, the shortage, reporting to the credit bureau or give me an opportunity to resolve the issue. 

I contacted XXXX XXXX on multiple occasions with no resolution to the issue Please advice how we can rectify this situation and remove the impact this has on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: WA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
As I investigated my credit report, I found out that some of the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$5300.00}.

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 2022-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATESXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Im notifying you that the following account is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character. 

Account Number : XXXX Please investigate and delete this account because it is reporting three different dates last active : XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. XXXXwo different dates opened : XXXX : XX/XX/XXXX, Experian XXXX XXXX XX/XX/XXXX. XXXX XXXX last payment dates : Experian XX/XX/XXXX, XXXX XX/XX/XXXX. A PAST DUE AMOUNT OF {$0.00} across ALL bureaus. 
You are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Again, please carry out a reasonable investigation into this matter and delete this account from my file immediately or prepare to face legal action.

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 2023-05-18
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: Their investigation did not fix an error on your report

Complaint:
I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2022-01-01
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: Investigation took more than 30 days

Complaint:
I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XXXX, XXXX XXXX & XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$200.00} XXXX  XXXX {$9400.00} XXXX {$1700.00}

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 2022-01-01
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
My credit acceptance account was opened XXXX. The car was stolen and I was unable to continue payments in XXXX. In XXXX or XXXX the wrote the account off as a bad debt. Then recently they ran my credit without my knowledge and reopened this same account amd started reporting it as non payment after they already wrote it off.

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 2021-06-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the XXXX  or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX. I didnt ask or allow XXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.

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