BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: TN
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:
Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXX. 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I rented a car from XXXX Car Rental at XXXX airport on XX/XX/23 and returned it on XX/XX/23 per the agreement. This was an XXXX with a charge of 70 % when delivered to me and 82 % when returned. Based on negligence or fraud, XXXX claimed it was returned with a 50 % charge and increased the amount submitted to Chase, the servicing institution for my XXXX XXXX XXXX branded card. I attempted to submit a dispute for the {$35.00} overcharge and was advised that Chase does not involve themselves in this sort of dispute. What I would appreciate from you is a determination whether this meets the bank 's obligation under existing law. I can not see how an improper fuel ( electricity ) levy differs from any other and why the submitting company ( XXXX ) is not required to prove this is a valid charge, which it is not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-12-15
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is not minds i hire three credit repair companies in the past but its still on there. 
XX/XX/XXXX hire credit repair companies XX/XX/XXXX hire credit repair companies XX/XX/XXXX hire credit repair companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
The following Credit Reporting Agencies XXXX Experian, XXXX XXXX XXXX ) continue to violate my consumer rights. These agencies have violated 15 USC 1681 ( a ) ( 1 ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to Experian, XXXX XXXX XXXX with my demands after I file this complaint. 

Thank You 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 2017-08-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in short sale review and my home went to foreclosure sale on XXXX/XXXX/17. What I do not understand is why the sale date was still active when I was in review and why I would receive a missing items letter requesting items due back by XXXX/XXXX/17 and the sale was STILL held even after I was advised that the sale would be postponed for the review and counter offer. This issue has been escalated and attempts to reach XXXX XXXX and her supervisor XXXX XXXX have been to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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 want to follow up you about the request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me. The items I'm questioning have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-07-29
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: Their investigation did not fix an error on your report

Complaint:
I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXXXXXX is more than 7 years old, and it was transferred to another lender. This account was to be removed XX/XX/XXXX, so why is it still reporting on my credit report? You are also reporting the XXXX as XX/XX/XXXX which is incorrect and another violation. XXXX has removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer 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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dispute letters to correct my personal information were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time they claimed a credit repair company sent my dispute letters and would not correct my personal information. 

The letters sent on XXXX and XXXX specifically stated I was not using a credit repair service and that the letters were being sent by me. When I called the rep. today, they told me I needed to alter to them so don't look like they come from a credit repair company. I asked her how am I supposed to this and she said she does not know. She stated it's against FCRA requlation to use a credit repair service which I believe is not true. Even so, I was'nt so I was still upset regardless. 

At this point, I am upset because my claims are not even being recognized due to misconceptions with my dispute letters. They keep telling me to do it online or over the phone but I want to mail them and that should be up to me. I believe I am being unfairly treated.

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 2023-11-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a home depot credit card. When I went to start a project with home depot, the contractor came to my house, and helped me increase my balance to the home depot credit card so that the project can be financed. I was told there was 24 months 0 % interest. I had made my payments on auto pay, so I don't have to worry about late payments. so It is my fault for not checking, but no when I went to check the balance, I notice that the balance is way over what the project cost. When I called to inquire about it, they said that we only had 12 months deferred interest, and they don't show anything on the file about the 24 months 0 % interest on file. And since I'm calling 60 days over the 12 month promotion, they can't fix the account. So I'm stuck with {$6000.00} deferred interest plus {$500.00} something on monthly interest alone. At this rate, I will not be able to pay the balance off at all. I told them that, and asked to find a solution and the customer service lady said they can not help me at all. and when I asked for a manger, she said the manager will most likely give me the same answer.

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 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of these hard inquiries these inquiries are a result of identity theft these hard inquiries must be removed no later than four business days as per 15 USC 1681 c-2

Company response to consumer: In progress
Consumer complaint received 2023-07-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my consumer report on XX/XX/2023, I noticed LVNV Funding LLC is showing on my report as a collection. They are attempting to collect an alleged debt amount of {$590.00}. As of XX/XX/2023, I've been sending out NOTICE FOR VALIDATION OF DEBT PER 12 C.F.R. 1006.34 to the company. LVNV has not provide the documents requested and continues to keep reporting on my consumer report. This inaccurate reporting is causing severe damages to my character and reputation. I am asking the account to be deleted from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT ED XXXX Balance Owed : {$9100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-08-29
Company: LEXISNEXIS
State: FL
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-06-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Was not notified of investigation status or results

Complaint:
I am writing to dispute the account referenced XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. XXXX and XXXX were not able to verify this account and has since removed it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRY 'S DO NOT BELONG TO ME.

Company response to consumer: In progress