BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and immediate repair due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

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 2020-02-07
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 disputed an inquiry directly with XXXX since I did not give permission to any entity to run my credit, and their response is a typical stall tactic they use asking me for information they should have already had since I disputed directly with a letter that had information needed.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
Company: EQUIFAX, INC.
State: AL
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 corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240000.00} ; XXXX XXXXXXXX XXXX : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Experian & XXXX ; THIS PUBLIC RECORD IS INCOMPLETE AND UNVERIFIABLE! 

Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but Experian and XXXX are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act

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 2022-11-16
Company: Experian Information Solutions 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:
Ive reached out to Experian and XXXX regarding a balance Ive been trying to pay since XXXX. Every time I call XXXX Im told theres no balance but Experian is reporting I owe {$100.00}. I have asked Experian on many occasions to remove this account and they have failed to do so. I just called XXXX  this evening and spoke with XXXX she stated theres no balance on the account I said according to Experian I owe {$100.00}. I said please let me pay this so this account can be XXXX  out and removed from my credit report. This creditor is refusing to accept payment and Experian is refusing to remove this account. Its been over 5 years Ive been trying to get this cleared. Just removed the account you are reporting an account with no balance per XXXX. I have XXXX saved phone recording and conversation with XXXX. If Experian doesnt remove this account Im taking legal actions this is ridiculous. This violates the Fair Credit Reporting Act. Come on now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed these items on my credit report multiple times I have not received any verifying documentation from the three credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/2023, I file disputes with TransUnion, XXXX, and XXXX regarding accounts showing balance 's after filing XXXX XXXX bankruptcy in the northern district of Illinois i have sent a total of 9 disputes to TransUnion along every time I would receive letters stating that all accounts were verified as accurate. On XX/XX/2023, I went to the bankruptcy clerk in person I was inform by the clerk that the court or pacer dose not report to XXXX, TransUnion or XXXX and XXXX also I was inform the clerk dose not verified any information to the credit reporting agencies. on XXXX XXXX I send a dispute to TransUnion requesting their method of verification and Transunion XXXX XXXX and XXXX XXXXetter dated XX/XX/XXXX, XXXX have sent a total of 9 disputes to TransUnion. please see all the Exhibits with this complaint. These companies do have respect for the Fair Credit Reporting Act 15 U.S.C. 1681 I ( A ). 15 U.S.C.1681 N, 15 U.S.C 1681 O continued willful and negligent noncompliance with FCPA . all 9 disputes are dated as follow XXXX XXXX, XXXX XXXX XX/XX/2023, XX/XX/2023. XXXX XXXX XX/XX/2023, TransUnion letters dated XXXX & XXXX XXXX. almost 7 months of disputes '

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-03
Company: Experian Information Solutions 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My family member transfered her Chase reward to me years ago, so there is a link between her chase credit card and my Chase sapphire preferred card ; under Chase rule, there is only one link allow, so no one else can transfer their Chase reward points to me. I called Chase trying to break this link so others can transfer me points, but Chase said the only the original sender can call Chase and request to break the link. But the original sender called chase credit card Chase can not find her card info because she closed her Chase credit card years ago. And Chase refused to escalate or do anything to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Unfortunately I do not have dates regarding my phone calls to Nelnet. But, I called Nelnet regarding the IDR forgiveness in the spring/early summer. I had a group of older loans consolidated from degrees conferred in XXXX and in XXXX and then another group of loans from a degree conferred in XXXX. I had the older loans consolidated. I called to inquire if I needed to consolidate all of my loans in order to take the most advantage of the IDR forgiveness. The representative informed me that I did not need to do that to get the most from the potential forgiveness. My loans from XXXX and XXXX were completely forgiven. I called Nelnet back and asked if all of my loans were consolidated, would they all have been forgiven? The rep said, " yes they would have been. '' She apologized profusely and told me many others are experiencing this me issue but there is nothing that can be done. She recommended calling the Federal Student Aid, which I did and was also told there is nothing that could be done. I would have consolidated my loans if I would have been advised to do so, but I was told I did not need to do so to get the most forgiveness. I even emailed the Federal Student Loan Aid office in XXXX to find out the answer to this question ( Case XXXX XXXX XXXX ) and they referred me to my servicer. No one was able to answer this question for me. I did my best to clarify the information on the Fed Student loan website and Nelnet, it was very unclear to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I tried to make a XXXX payment to a phone number, had to download the app, which I do NOT like to do, but I did. Three times CHASE bank rejected it then they suspended my online banking. 
Wrote you, got a call from someone the next day named XXXX, who said he would fix it as my car doesnt run, I am a XXXX senior with no transportation and have been looking for my Social Security card for months before this, still have not found it. But I have the number memorized. 

So XXXX sd he would call me back today, nope. Then I called CHASE again today, finally got thru to the 'internet department ', she gave me the same story as originally, bring in two IDs. SS card even if I found it is not supposed to be used as ID btw by Federal law. Lady today sd bring in two forms of ID, that was that. CHASE sucks, 'we value our customers ', what a joke. My Calif ID is expired bc my car does not work and covid has interfered with me getting it fixed, and ID renewed. I begged them to accept bills with my name on it when I spoke to XXXX but this woman today was abrupt and refused to open my online account, suspended for 'suspicious activity ', WHAT susp. activity? Downloading their app and being rejected by them?? 

Online banking is more accurate with CHASE, I can see exactly what is pending etc. I want access to it back, I use a laptop. 

Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
The total amount of money lost was about {$6200.00}. I explained to my bank that the money transferred into my XXXX XXXX had been stolen but they said there was not enough evidence to prove that the money was stolen. Under the assumption that I was in a partnership with someone I met online, he told me he wanted me to learn crypto and he would repay me if any of my money was lost. This began in XXXX XXXX XXXX and was over by XXXX XXXX XXXX. The person who scammed me created arguments until he fully backed out of the conversation, making it impossible for me to transfer my money back into my account.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-02-16
Company: Phoenix Financial Services LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have Sent two ( 2 ) Letters requesting validation of debt of FULL accounting of Debit. XX/XX/XXXX & XX/XX/XXXX with NO response I also requested copies of ANY signature Agreements with Phoenix Financial service or XXXX XXXX XXXX  - as I do not know either of these firms Nor have I incur any contact with them before. Now As of XXXX they have a statement that state I owe them {$1400.00} - I don't Even KNOW who this Company is- It Shows On my Credit Bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
For the last week Ive been trying to dispute inaccuracies on my pro collection account on my credit bureau reports EQUIFAX AND XXXX. The account been repeatedly showing an updated payment history which should NOT include a payment history of late payments. A collection is a derogatory by default. The company does not agree with the violation and refuses to remove the account

Company response to consumer: Closed with explanation