BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.

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 2022-10-04
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: Their investigation did not fix an error on your report

Complaint:
I sent a Bureaus letter last XX/XX/2022, however, I did not receive any responses from you. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) requires the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reported accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/XXXX I checked my XXXX XXXX account and my score was lowered and the reason given was a credit inquiry from XXXX XXXX. I have never heard of this company. I then checked my TransUnion credit report and the number given was XXXX. This led to an automated message for me to call XXXX which was TransUnion itself. When I spoke to a representative they told me my claim was XXXX and that I needed to file a complaint with the FTC.

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 2021-01-08
Company: Radius Global Solutions LLC
State: LA
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:
On, XXXX XXXX2020, a derogatory mark was added on my credit report per XXXX XXXX from Radius Global Soultions and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX  to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.

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 2018-04-12
Company: EQUIFAX, 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:
I wrote XXXX, XXXX and Equifax in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Mid-America Accounts Control Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A year ago I was contacted by this company via a phone call. I answered and they started talking about a supposed debt from XXXX. I was confused because I had my information hacked by a data leak so I was consistently monitoring my credit report and this debt wasnt on my credit report. I proceeded to tell the person over the phone that I didnt have any debt as none was showing on my credit report and I have no information about this supposed debt. She proceeded to verbally harass me and say So what you are not going to pay a debt you owe? Youre just going to receive XXXX XXXX and not pay for it? I said No thats not what Im doing at all, I just dont any information about this debt and I would like to validate that its mine. I eventually hung up because she wasnt giving me information about the debt. I looked up my rights and realized I could ask for a debt validation letter. I called the number back and I got the same lady on the phone. I asked for a debt validation through the mail. She said they dont send information through the mail, so I asked for an email. She took my email and my address. I never received anything through the mail or through an email that was a debt validation letter. Fast forward to XXXX I received a phone call from this same company. I called them back and told him how I asked for a debt validation a year ago and never received anything. He stated they dont send anything through the mail and I said Ill check my email. I checked and I never received anything like a debt validation letter via email. He said he would send me an email. After I hung up I received an email, with just an amount and way to contact them through their website. I logged in and was able to contact them through their website. I sent an email asking them for a debt validation letter with and they replied saying it was passed the 30 days and they dont have to send a debt validation letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
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:
I am a victim of the Equifax data breach, my personal information was sold and bought illegally, causing fraud on my Equifax credit report. I want to have items deleted from my report immediately. I'm attaching proof that Equifax has admitted that i was in fact a victim of this data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
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: 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 specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NM
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 have sent in a request to XXXX and Experian to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from XXXX or Experian. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents XXXX and Experian requires for XXXX straight months. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 provided Evidence to XXXX, Transunion, and XXXX of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.

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 2023-11-21
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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'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 and 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 2018-04-12
Company: American Credit Resolution, Incorporated
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2018 -- Received a call from ( XXXX ) XXXX with a threatening voicemail. " Hi ***** this is XXXX with XXXX XXXX. I am calling because a claim has been filed against your name and social security number. Please be advised, you have been scheduled to receive a final demand letter to be delivered to your location or place of employment and we wanted to talk with you before you sign that certified document. I highly advise you contact my department at XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a text message from XXXX XXXX XXXX XXXX XXXX stating " Chase XXXX XXXX XXXX. Did you authorize a transaction for {$2000.00}? Please Confirm to : XXXX XXXX XXXX '' I checked my account without using the link and there wasn't a charge for {$2000.00}. The fact that this came from an actual number and it did not allow me to text back told me that this might not be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit 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 submitted a claim for purchases not made by me to the company. The company never sent me a claim form for the claim. This year I received mail from the company, stated they will now help me with the claim. However they have not sent any information on the claims. I last spoke with them XX/XX/2021. This was with Bank of America.

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 2023-12-02
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone tried to open credit card in my name which affected my credit score. It was denied but still got applied to my credit score. How can I get ut reversed? 

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 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have reached out to the bureaus about this situation i do not know the company that have been harassing me about debt that i do not owe. Please review attachment below.

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 2018-04-12
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX | XXXX, MS | XXXX XX/XX/XXXX | XXXX XXXX XXXX, NJ | XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ | XXXX I recently just checked my Chase Unlimited Freedom statements to make sure everything was correct but I remember filing a dispute for these payments back in XX/XX/XXXX online.

After I sent the dispute request, I never got a confirmation message or call from a representative so I thought these payments were successfully disputed. However, it never was removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: OneMain Finance Corporation
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive received numerous amounts of hard inquiries that was unauthorized by me from these companies and wish to have them removed as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went for an auto loan about 1 year ago on XX/XX/2022, it was 5 hard credit checks that should just count as one.

Company response to consumer: Closed with explanation