BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX  : {$6000.00} ; XXXX  XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX XXXX  : {$810.00} ; XXXX  XXXX XXXX XXXX  : {$590.00} ; XXXX XXXX XXXX  : {$2300.00} XXXX XXXX  XXXX XXXX  : {$670.00} ; XXXX  XXXX XXXX  : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$190.00} ; XXXX XXXX XX/XX/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 2020-08-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I agreed some time ago to go paperless with Chase who holds my home mortgage and with whom I also have a credit card. I handle everything online and I have automatic payments for both coming out of my checking account. Access to my online accounts is the only way that I can obtain copies of my statement, check the mortgage balance, insure my payment posted and see what transactions are on my credit card and the amount due, or dispute an amount. 
On XX/XX/2020, I attempted to log into Chase and after entering my user ID and password, I received a popup that blocked me from entering the website stating I had to read and sign two statements and I must agree to both statement or access to my accounts is denied. The two agreements are an Electronic Disclosure Consent and Digital Service Agreement. This constitutes extorsion. Read and sign you agree ( no matter what the statement says or whether I agree ) or you will never have access to your accounts again. Where does that leave me? 
If an agreement is mandatory, why I am I being told to sign that I agree because not agreeing is not an option as the result is the same, I will be denied access. I need access to my accounts without having to read and sign anything. Chase should have emailed the agreements to me and advised me that I would be required to sign them ( state a timeframe ) and if I did not do so or did not agree with the statements, I would have to log in before the end of that timeframe and change my options to return to receiving paper statements and no longer have online access. Instead, they know customers who do not get paper statements must access their accounts online so they block the customer and state, sign and agree to this or else you will never be able to access your accounts again ever. 
I can't even access my accounts to change to paper statements. They are preventing me from reviewing my credit card statement to know if the charges are valid before they withdraw the money from my account. I can't dispute what I don't know. This is the definition of extorsion and I should have some credit protection from a heavy-handed company blocking all access to my accounts after soliciting me to go paperless and not advising me that doing so Chase has the right to shut down all access to my accounts anytime they wish for any reason. 
Chase should be fined for their extorsion tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: IL
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 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2018-10-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TSI is attempting to collect on a debt they no longer have any legal right to collect on and reporting these collection accounts on my Credit report. This is debt has been transferred to another agency and this agency has filed suit for the collection of these two accounts XXXX is the debt owner and on XX/XX/2018 XXXX and XXXX filed suit on these debts and on XX/XX/2018 TSI reported these debts as new collection accounts. I have already hired the XXXX XXXX of XXXXXXXX XXXX to respond to this suit and I will be filing further suits against XXXX and TSI if this can not be resolved promptly. 

I have been dealing with this situation for 18 months and have made numerous offers to settle the debt in full if I could be provided with proof they were the owner of the debt and that they would enter into a payment plan which laid out payment in full. But I was given the run around by 7 agencies and now I am being sued. 

COPIED EMAIL : XXXX XXXX XXXX AttachmentsTue, XX/XX/XXXX, XXXX XXXX ( 6 days ago ) to XXXX, XXXX, secretary I am writing as I have not received a response to a certified letter that I sent on XX/XX/18, and since that letter I have been served with a lawsuit by another debt collector for the accounts listed below : XXXX Alleged Amount Due : {$27000.00} XXXX Alleged Amount Due : {$14000.00} I have attached a pdf of the letter that was mailed to TSI and which I have already received the return receipt to confirm that your office has received the letter I sent. 


Nevertheless, this email is a final attempt at direct communication and resolution to this matter. If TSI does not remove the collection account for all three CRA from mine and/or any assigned cosigner the next correspondence your company will receive will be from my attorneys office XXXX XXXX of XXXX XXXX XXXX XXXX. It is illegal for your company to place a collection account with any CRA if there is a pending lawsuit that questions the validity of the debt furthermore I have documented evidence that TSI illegally entered into a payment agreement on an invalidated debt and that you entered into this agreement with me as I was under duress of other pending legal action. 


I am requesting that this collections accounts be removed from all CRAs within 10 days from today XX/XX/18, and that you send me a copy of all the requests to have these collection accounts removed and a notice in writing that you will no longer be reporting this debt as you are not the entity who has filed suit for this alleged debt and you are no longer legally allowed to attempt to collect on this alleged debt. 


Please also inform XXXX that I will be filing a counter suit in response to the suit they have submitted against me for this alleged debt. 


Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TN
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:
my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process 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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am sending this letter to your agency to dispute information on my credit report due to the accounts that were opened fraudulently under my name. 

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 2023-04-20
Company: EQUIFAX, INC.
State: KY
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reporters act. convergent account # 's below 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. 

choice XXXX XXXX day XXXX account : XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX account : XXXX XXXX XXXX account : 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 2023-09-23
Company: Experian Information Solutions 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:
I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from XXXX XXXX holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into 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 2023-07-19
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: CA
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 a XXXX account XXXX XXXX XXXX {$14000.00}, XXXX  XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section A states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: ACIMA CREDIT, LLC
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 status incorrect

Complaint:
Merchandise which I leased where taken and I submitted 2 Police reports and the account was supposed to be closed as paid in full, Now there are over 24 Months of charge of history on my XXXX Credit report that are completely inaccurate. This history and item needs to be removed as it has negatively and improperly affected me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I told them that I would file bankruptcy because I couldnt afford payments and they knew the interest rate was to high upon giving me loan they continued to rack up charges on the account in late fews making it hard to pay my normal payment a month. Then I was told to voluntary give the car back and that I wouldnt have to pay balance if there was one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have been trying to stop payments from XXXX XXXX. It is located at XXXX XXXX XXXX, XXXX, SC. I have been up their and tried calling them. The Manager has to be there. In order to cancel any contract entered. It is not my responsibility to make sure that the manager is there. Every time I have called them or have been there. The manager is not there. It should not be this hard to cancel a membership. So, I had to contact my bank. I put a stop payment on it. I need to get the contract canceled still. I would appreciate any help with this matter. I, thank you for your time and understanding. 
XXXX 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 2020-08-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Citibank Priority account on XX/XX/XXXX. In order to receive the offered bonus as well as avoid account fees we transferred {$50000.00} into the saving account. On XX/XX/XXXX I realized that our checking account is marked as closed. I had a phone conversation with an agent, who was unaware of the reason of the closure, and told me that she submitted the complaint and someone would contact me within 48 hours. Four days later I have not received any communication from Citi and upon checking my account I found out that ALL of my money - {$50000.00} - were withdrawn by " Other ''. The phone agent XXXX told me that it was Citibank itself that withdrew my funds, marked my Saving account for closure and would mail me the check. She said she did not see why they closed the account. She could not give me any other information. She also refused to give me any written confirmation of what she said. I did not receive any notification of this withdrawal. I had then talked to an agent on Citi website live chat : the chat agent somewhat contradicted the information, stating that she saw both accounts as fully active, and the check WAS mailed to me on XX/XX/XXXX. She could not provide me neither with tracking information, or any other information regarding how this withdrawal happened. She also refused to say what would happen if I do not receive the check, just like I have never received Citi Debit card, which they, as it turned out, never sent. It is outrageous that they simply withdrew this huge amount of money I trusted to this bank without any notice, and refuse to give me any guarantee of when I will get my funds back. I have no reason to believe that the check was mailed, and I have to time to wait because I need my money to be available to pay my bills.

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 2022-04-03
Company: Absolute Resolutions Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Absolute Solution has harassed me by calling my employment and home on a complaint between myself and XXXX XXXX on a lease of 2008. The vehicle was towed around or on the end of the lease to the dealer located on XXXX XXXX in XXXX, the building is no longer there. The towing or any repairs to the vehicle was had insurance coverage ( 6 ) six months after the towing.

Dispatch cleared the car for return and I owned nothing on the lease and never missed a paymen
t or was late. However, a few months ( after the 6-month coverage ) I received a call regarding damages to the bumper. I protested this claim as the leasing company should have a made claim prior to my cancellation of the XXXX XXXX. I never heard back from XXXX. 

This debt is over XXXX XXXX XXXX and without supporting document ( which Absolute has not presented ) I contest that I owe NO MONIES. XXXX is the only credit reporting agency that will not clear this debt from my report. I am sure there is a period of time in which the debt should be deleted and XXXX has far exceeded that time limit.

Company response to consumer: Closed with explanation