BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it 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 2023-08-18
Company: EQUIFAX, INC.
State: CA
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 several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6500.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a subaccount on my amex serve prepaid card account. I tried to use my card to make a purchase and it declined which it should not have because I have money on the card. I return home to contact the customer service only to be told they could not tell me what was wrong with my card to my subaccount but that it had been permanently locked and that I can not use it anymore. My money is trapped on this account and I had asked them to transfer the money to my main account and they refused to do so telling me that I would have to send a letter to them to tell them why I should get my own money from the account when it belongs to me. I asked to speak to a supervisor and the supervisor gets on the phone almost 30 minutes later. The supervisor then tells me some off the wall statement that during a recent review of my American Express Serve Account they noticed activity that was in violation of the Serve Member Agreement, section : Section 15E and because of that violation, my account has been closed. When I tried to look up the section 15e I couldnt get access to read it. I was then told there was nothing that they could do about what happened to my account and that I was pretty much out of luck. I informed them that I am a protected person covered by law and that they are now committing disabled financial abuse by keeping me from having access from my money and refusing to transfer my money to my other account so that I can have access to it. Their response was that the law does apply to them and that they can do what ever they want. they then hung up on me telling good luck getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF EDUCATION/XXXX XXXXXXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX, has violated my rights. 

XXXX5 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 non-monetary relief
Consumer complaint received 2019-02-02
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:
XXXX XXXX XXXX contacted me about an account that I had no knowledge of back in XXXX of XXXX. I filed a police report and went to have forgery affidavit notarized as advised and submitted it back to XXXX XXXX XXXX. I submitted the information to Experian and they deleted the account on XX/XX/XXXX under : XXXX XXXX XXXX  Account XXXX I checked my credit report on XX/XX/XXXX only to discover that the original creditor XXXX XXXX XXXX sold the debt to a new creditor under the name of : XXXX XXXX XXXX  XXXX It is a FCRA violation to reinsert a deleted collection back on a credit report without proper notification either by mail or by phone. Neither happened because the account is a result of identity theft. Please do not put a freeze on my account but please remove this collection listed under : 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 2023-02-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my 3rd attempt to rectify this issue with this company. SPS has yet to return the unearned interest that is owed to me from my mortgage being paid off in full 15 years early pursuant to 15 USC 1615. They claimed that they gave me what was owed but that is inaccurate ; what SPS is referring to is a return on an overpayment for homeowners insurance. To be clear, I am demanding they return my unearned interest due to me from my home loan being paid off 15 years early. I demand the unearned discount ( unearned interest ) due to me from paying off the mortgage 15 years early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from XXXX XXXX on XX/XX/2018 stating that the firm was retained by the above referenced creditor and no attorney has evaluated my file, the validity of the account, or personally reviewed the circumstances of my account and as such is acting solely as a debt collector and not in any legal capacity in sending this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, a debt validation letter was sent to XXXX XXXX via certfied return receipt mail pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. An account appears on my credit report that they allege I owe their company. XXXX XXXX never provided PROOF that they are legally able to collect any monies from me even after I sent a second debt validation request on XX/XX/2022. I have NEVER conducted business with XXXX XXXX ; therefore, they are in violation of the FCRA and FDCPA as long as this account remains on my credit report. 

A Dispute and Deletion letter request was subsequently sent to TransUnion after XXXX XXXX failed to validate per law that I am legally obligated to pay their company ( Tracking number XXXX ). The letter was received more than 30 days ago. I never received a response from TransUnion and the account is still showing on my credit report. TransUnion is hereby legally obligated to remove the XXXX XXXX account per law as a result of failure to respond within the allotted time frame ; therefore, I want the account deleted immediately from all credit reports in order to comply with the FCRA and FDCPA laws.

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 2023-05-24
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:
I am writing to assert that I have no ownership or liability for the alleged debt referenced in your recent communication. This letter serves as notice of estoppel, based on the principle of estoppel by silence and your failure to provide sufficient evidence of the debt 's validity. 
Account Details : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$750.00} I have received correspondence from your agency claiming that I am responsible for the aforementioned debt. However, I dispute the validity and accuracy of this claim. Despite my requests for supporting documentation and verification of the debt, you have failed to provide any substantial evidence linking me to the alleged debt. 
I HAVE NOT SUPPLIED PROOF UBDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESSURE THAT NO PROOF OF THEIR ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I HAVE NO OWNERSHIP OF THIS DEPT. I NEED IT TO BE COMPLETELY DELETED. 
The principle of estoppel by silence applies in this case, as your repeated attempts to collect on a debt without providing proper validation or ownership verification has created a reasonable expectation on my part that no such debt exists or that any potential debt is not enforceable against me. 
Therefore, I hereby assert my rights under estoppel and insist that you immediately cease all collection efforts, remove any negative remarks or entries related to this alleged debt from my credit reports, and confirm in writing that no further collection activities will be pursued against me. 
Failure to comply with this notice of estoppel may result in legal action being taken against your agency for violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
Please consider this matter seriously and respond in writing within XXXX days of receiving this letter, acknowledging the application of estoppel and confirming that all collection activities will be halted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: T.S. Holdings
State: AZ
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 SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XXXX AND XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$1200.00}. IN ADDITION THE BALANCE OF THIS DEBT IS NOT CONSISTENT. THEY HAVE BEEN REPORTING SEVERAL DIFFERENT BALANCES IN THE ACCOUNT. HOW CAN THEY DO THAT? WHERE ARE ALL THIS INFORMATION COMING FROM. PLEASE SEE ATTACHED FILE FROM PREVIOUS MONTHS WITH INCONSISTENT BALANCE REPORTED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Crow Creek Sioux Tribe
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022 I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Buffalo Lake Lending. Since then, Buffalo Lake Lending has debited my account multiple times using XXXX. These transactions are unauthorized according to Regulation E. 

{$81.00} on XX/XX/2022 {$81.00} on XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, 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 am a victim of identity theft. Please delete all fraudulent accounts from my credit report. These fraudulent inaccuracies made me lose my job, they are preventing me from obtaining credit, causing stress to my mental and physical state, and is also the main reason to my marital and family issues. 
Thank you in advance for deleting these fraudulent accounts within 4 days of receiving my documents. I'm sure you won't discriminate against me or cause me any more harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Chase Cardmember Services Attn : Billing Inquiries XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Chase Sapphire Card Ending in No. XXXX Seemingly out-of-the-blue Chase assessed a rebill of {$2100.00} to my account on XX/XX/XXXX over 8 months after they credited me after research of non-receipt of an item. The charge is in error because the item was never delivered from merchant ,1 XXXX XXXX 

Please note the following : I ordered the item on in the amount of {$2100.00} back in XXXX of XXXX The merchant promised to deliver the items to me on immediately stating item was in stock. ( I made this order despite in earlier different order for {$2300.00} for another item that this same merchant actually cancelled and provided a refund on XX/XX/XXXXXXXX ) However, after going back and forth all the way thru XX/XX/XXXX with the merchant, the merchant then admitted that the item actually had not been in stock, but now was and as consolation they would give me {$70.00} back for the trouble and item was being shipped in XXXX. 

Yet still, not getting any shipping confirmation from the merchant, and after waiting additional two weeks in XXXX, I called and spoke with the merchants customer service on XX/XX/XXXXXXXX  and again was advised that there would be a delay and they had no ETA for the order. 

It was then I sent the merchant formal request to cancel and refund me back to my credit card on XX/XX/XXXXXXXX XXXX Then on that date, I also contacted Chase to make aware inclusive of backup documentation and my card was credited on that date. 

The merchant never responded until XX/XX/XXXX almost a month later, telling me they are ready to ship to which I advised of the month prior cancellation and to not bother. 

Now, in XX/XX/XXXX this refill suddenly pops-up and I was back and forth with Chase CS on the phone finally someone sees error and advises my account will be corrected in 24 hours. Its now 3 days later and not only hasnt been corrected but i receive a backdated letter from Chase referencing wrong transaction. I speak with a Supervisor XXXX who advised I may have to wait longer and no acknowledgement of contradictory notices from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I received an alert that Enhanced Recovery Company has added an account with an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I know for certain I never any business with Enhaced Recovery Company. I need them to close this account with this alleged debt and delete it from my credit reports. 
Account : XXXX Amount : {$2000.00} " open date '' reporting : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
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: Investigation took more than 30 days

Complaint:
Hi, I have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, Law states they are supposed to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation