BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big 3 bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten ZERO responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX Experian XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.7. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.8. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.9. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.10. Sample Reason XXXX XXXX  Account Number : XXXX My parent has the same name as me.11. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2022-05-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian has committed aggravated identity theft against me for the non-consent or legal authorization to use, disclose, obtain and resell my non-public personal information my false statements and misrepresentation. Also, I filed a Identity theft report with the FTC for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor the unauthorized use of my credit card that I didnt benefit from. Experian refuses to to remove these accounts from my credit file. This identity theft report and request for removal was not made in ERROR, I did not obtain any goods, services, or money, nor is this a misrepresentation of any sort. Per 15 USC 1681c-2 you must block and remove.

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 2023-02-13
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
( 5 ) Treatment of inaccurate or unverifiable information.- ( A ) In general. -If, after an reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I have been in dispute with Exeter Finance LLC for months requesting they provide the necessary evidence of a lawful debt ( a signed INVOICE ) and also a contract with both party signatures Mines and Theirs ( The Corporation ). I did reserve my common law rights UCC 1-308 and also agreed to pay any lawful debt which I may owe on those conditions. Instead I have been receiving a Statement and a Third Party Contract, which a Statement is not an INVOICE and a third party can not sign a contract on their behalf. I requested that they write confirming the Debt to be fully discharged and I owe them nothing. I never received that either, even after contacting their consumer complaint division and writing to the President of the Corporation, as of now consumer reporting agencies are reporting the debt as a charge off but Im still awaiting for a signed invoice of their claim against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a recurring payment on the credit card due date for a set amount. CAPITAL ONE decided to give me a past due fee anyways. I called, and I was able to get the fee waived as they said it was not supposed to be there. Even with the waived fee, they bumped my minimum amount due for the next month to DOUBLE. I called, and was able to talk to a supervisor ( superviser XXXX, I believe ). She told me " That's just how we do business ''. The way capital one conducts business is to hide fees, and then lock you into set payments once you find those fees. I should not have had a late fee to begin with and now they are locking me in to a payment I do not want to make this month given financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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:
EXPERIAN has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.

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 2023-05-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector XXXX XXXX is not licensed in the state of Florida to collect on this debt. Secondly, XXXX XXXX violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that XXXX XXXX provides me with competent evidence that I have any legal obligation to pay them. I asking that XXXX XXXX to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand XXXX XXXX immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand XXXX XXXX agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that XXXX XXXX agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
My bank has accepted an online check withdrawal for ~< {$30.00} with some cents with only description " authorized by '' my name and my account routing number that I never authorized and dont recognized the payee. I was told that's the industry standard everywhere now by most banks to accept this type of ONLINE BANKING transactions. The problem is that the routing number of each checking account will be retrievable or printed at the bottom of each personal check written. I XXXX online this payee phone # given by my bank. The payee name then showed up on many customer complaints reciting similar fraud withdrawals. Also other entities name with similar instances such as, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, etc. There should be a law to prohibit this transaction ever approved by any banks by submitting bank routing number and name only. There is no owner 's signature on file authorizing it. The fraudulent activities occur involving small amount of money stolen under 50 $ from many online bank accounts easily. Where is our consumer protection on this?? Please look into this and warn the public. If the banking law doesnt change, public could never provide their checking account for their automatic withdrawal with safety as thieves can withdraw on their public checking account easily by copying their name and the account routing number. This is NOT RIGHT!! Public beware!! I am closing my checking account. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
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:
To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is a continuation from CFPB complaints XXXX and XXXX. I have sent several letters to Tranunion and filed CFPB complaints. Transunion has STILL failed to verify the debts for XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. After several requests they have NOT supplied documents used to verify the debts as requested. Instead they have attempted to stall verification by not responding or responding in a foreign language. The most recent response I received from Transunion dated XXXX the account was verified and updated.Transunion ILLEGALLY changed the date the account was closed to XX/XX/2022. To my understanding an account can not be with collections and past due. The account XXXX is reporting past due {$1800.00}. This is damaging to me and my credit file.Transunion has failed to investigate and verify the account. They DID NOT provide validation for the account after several requests.They are ILLEGALLY changing the date to change the reporting time. This account was removed by XXXX and XXXX how can it be truthful Transunion verified this account? XXXX XXXX XXXX XXXX # XXXX I received the same responses as the XXXX  account. XXXX XXXX XXXX XXXX is also reporting as past due {$500.00}. This account is listed as an open account. A collection account can not be open. These accounts should be removed IMMEDIATELY! Transunion is report information that is damaging costing me credit denials, paying more interest, and rental denial. They report false information and respond with a lie stating " verified ''. This should NOT be allowed! I will include their letter sent to me dated XXXX it shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as a open past due collection accounts.Please hold Transunion accountable and request IMMEDIATE removal of these account. I take my credit very seriously it's unfair for this information to be reporting. Included below is two of the several letters sent to Transunion. There's others included on the CFPB complaints noted above. The letter dated XXXX it wasn't received by me until XXXX. This is clearly another stall attempt. XXXX Day is only one day there's no way it would take that long for me to receive. I have sent letters to them as well and they update verified in a matter of 2-3 days after I sent a letter. I have informed delivery with USPS it shows mail I will receive for the day. I included a picture proving their letter was received by me 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 2023-05-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent in my dispute letters on XX/XX/2023 I haven't receive no response i sent in my SSC and ID I have unverified inquiries on my report that is hurting my credibility to get more credit Im asking can you please fix the problems on my credit report i will like for it all to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called discover about approximately 6 months or more ago a reference to getting a lower interest because of my good payment history rate they lowered my interest rate but then was charging me two separate interest rates on the account I strongly feel that this unfair because this is a continue charge account and even if I'm paying more than what the principal amount is due More than 80 % of my payment is going towards nothing but interest this will not bring the balance down at all The amount paid towards the higher interest rate principal balance was less than {$10.00} and less than {$20.00} on the lowest interest rate principle I strongly feel this is unfair because this is a continuing charge account there should only be one interest rate on the account not two or three this is unfair because the balance is only {$3200.00} dollars this means that I would pay more than {$3000.00} in just interest on a {$3200.00} principal balance I strongly feel this is targeting no income people intentionally to get money from them and take advantage of people with poor scores that is trying to rebuild their credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/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 2019-06-05
Company: DISCOVER BANK
State: PA
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:
The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing Information XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX Travel/Entertainm DISCOVER BANK  XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX 4

Company response to consumer: Closed with explanation