BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.

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 2019-10-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have held the account in question for many years. In XXXX of XXXX, I used the account to make a hotel reservation deposit ( {$390.00} ) for a planned trip. The trip was cancelled, as was the reservation. Despite the reservation cancellation ( and the fact that the hotel confirmed that cancellation ), the reservation charge appeared on my account. I contacted the hotel via phone, and was told there had been no cancellation and the deposit charge would stand - and was told a supervisor would contact me ( which did not happen ). I then contacted the issuer of the credit card, describing the dispute. The issuer eventually sent me a paper form with which to file a written dispute, which I returned on XX/XX/XXXX - including a copy of the cancellation confirmation from the hotel. After hearing nothing, I sent the issuer a letter on XX/XX/XXXX asking for a response/resolution. The issuer responded on XX/XX/XXXX - indicating the hotel was not willing to credit the charge, and referenced, of all things, the AMOUNT OF TIME THAT HAD TRANSPIRED SINCE THE INITIAL CHARGE WAS MADE. I made an additional request for a logical resolution to the matter by letter on XX/XX/XXXX. After receiving no response, I sent the issuer a letter on XX/XX/XXXX reiterating my efforts to get a resolution - and cancelling the account. After again receiving no response ( but receiving additional statements ), I sent another letter on XX/XX/XXXX, again pointing out my efforts to resolve the matter - and reminding the issuer the account was to have been cancelled. To this date, the issuer has continued to send me statements, adding fees each month. The issuer has also provided negative information relevant to this account to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have been trying to get an auto mobile loan. And I have been told that I have 4 auto repossessions on my credit reports. I only have 2. While one was due to a probation violation and the car was returned still new with less than 2000 miles. In applying for a loan at XXXX  I was quoted a lower down payment. and was told after that I had put in the wrong social security number. I found that impossible when I had reviewed my report with one of there sales people on the girls day off. This has been happening to me for sometime. I believe my score is being deliberately shown wrong. I have been told that each loan I have been applying for the dealerships are being contacted by either a state or federal official. I believe requesting they make the loan unachievable or denied. My loan with XXXX XXXX is a paid as agree loan and is showing as a closed account. I have been having to rent a car for work at almost XXXX  wkly in order to get to work. one of my XXXX XXXX accounts was closed due to my banks changed routing number that most places say do not exist. And also after contacting the CFPB in regards to a collection account from XXXX XXXX  and going through the process and offering a fair settlement and refused was removed from my credit profile. And then just showed back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've continued to sustain damages due to unauthorized accounts opened by Wells Fargo reps which include inability to open deposit accounts with financial institutions such as XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX to name a few. Additionally, I've lost potential interest on these accounts, due to inability to open them. I was offered a remediation settlement amount of {$3700.00} by XXXX XXXX with Wells Fargo remediation in XXXX of XXXX for damages caused, which I just detailed. To date, no payment received, numerous prior CFPB complaints filed in re, unresolved/unaddressed. An affidavit was filled out in regard to supposed payment sent, intercepted, cashed by a third party. The matter was investigated, funds returned to Wells Fargo, a second check supposedly reissued after I moved from prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment was supposedly sent in XXXX or XX/XX/XXXX, I moved in XX/XX/XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX have replied to this issue by verifying address payment sent to in which case anything sent to old address by XXXX, XXXX, would not be received. A signature decline is also referenced which I am unaware of, the Wells Fargo rep I dealt with insisted on a signature for package which contained check reissue. No packages received from XXXX, XXXX which require signature to date, including to current address. It appears any check sent to prior address was intercepted, cashed by another party, if show cashed. Further, a mediation offer amount of {$500.00} plus estimated IRS taxes not received, also sent to old address. It appears Wells Fargo reps are attempting to claim address verified is a release of funds owed, which it is not. Further, neither payment amount, {$3700.00} or {$500.00}, cover damages sustained to this date from these unauthorized accounts. In closing, please forward this complaint to another Wells Fargo rep other than XXXX, this rep continually refers back to address verified which does not address missing payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: LEXISNEXIS
State: MO
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:
LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2022 My most resent consumer credit report is attached. 

Equifax is violating the Fair credit reporting act laws. I am requesting monetary relief. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE EQUIFAX ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT. 

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. [ THE DATE OF ENTRY ARE SHOWN ] THE DATE OF ADJUDICATION IS SHOWN ALSO ] 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

607. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I REQUESTED EQUIFAX TO CHECKED THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY TO VERIFY THE IF THE BANKRUPTCY WAS MINE. EQUIFAX DID NOT VERIFY THE ADDRESS. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Account status incorrect

Complaint:
Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX  XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX  XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : 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 2021-07-28
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company contacted me via their various alliases. I asked them to provide a validation and they produced a letter from another company. I do not know this company never had a relationship with this company and believe that they are attempting to extort me for monies I am not responsible. They should not have my information and they are attempting identity theft. They have absolutely no reason to be contacting me as I have requested validation on XX/XX/2021 they sent a fraudulant email on XX/XX/2021 not only totally out of compilance of their governing bodies compilance and procedure but not validation of all requested information and keep attempting to defraud and educated consumer. Enclosed you will find all of my exhibits and invoice. My certified copy is enclosed as I know the legal progess starts in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy Status : ,Discharged Date Filed/Reported : 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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; 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 2018-08-10
Company: DCN Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/18, XXXX XXXX, a claims agent with XXXX sent a letter to the owner of the company I work for demanding I pay a debt that I have not validated. He disclosed the balance and gave me 7 days to pay a debt or they would send me to collections or refer my case for commencement of litigation in court an that they would advise their client to pursue legal action against me ( see attached email ). I called them and advised them that they can not send this type of information to my employer. " XXXX '' never gave me his title or last name, told me they can and that they have not violated FCRA. They claim I gave them my email. I assure you I did no such thing. My email is similar to the owner 's email and I have gone to great efforts to avoid my emails going to him or his to me, my email does not involve my last name. XXXX took a chance that the email they used was mine ( based on first and last name and the company 's standard ending ) but instead sent this threatening Information to the owner of the company that I work for. I fear they will continue this practice and ask that they properly learn that this practice is a FCRA violation and that I am compensated for the embarrassment suffered due to their actions. They had my correct address, why did they not mail me the letter. The email was a direct attempt to cause me embarrassment or employment loss. 

XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Direct XXXX Fax - XXXX ( See Attachment )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted two payments on XX/XX/2021 in the amounts of {$260.00} and {$260.00} through PayPal. Both transactions were refunded, and the payments were cleared as refunded on the PayPal app and website on XX/XX/2021. As of today, XX/XX/2021, I have not received the refunds totaling {$520.00} in my bank account. PayPal refuses to follow up, and my ticket was closed after the customer service representative submitted tracing info and told me I would receive the tracing info so I could present it to my bank. I never received the tracing info, and I had to start the process all over again. Further, I am deeply troubled by my bank statement, as my money appears to have disappeared into the abyss, and the transaction history has been altered as it is not reflected in my PayPal balance nor my bank statement, except for the amount reflected in currently available which is exactly {$520.00} less than what should be in my account. 


PayPal has not followed their own policies or terms of service, and their reps are telling me one thing which never aligns as accurate according to my bank statement. 


I am filing a complaint and will see it through with this institution and others until I have received my {$520.00} back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} INQUIRY REMOVAL BELOW XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section XXXX ( a ) ( XXXX ). 

Fraud ACCOUNTS : Need removed BELOW. 


XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

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 2023-03-16
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:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation