BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
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: Account information incorrect

Complaint:
In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that Transunion, XXXX, and XXXX to investigate the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.

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 2022-10-27
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent XXXX certified mail with police report and ftc afffidavit, stating I didn't get a loan from them, after me sending them this info, it's been nearly impossible for me to get in contact with them, even with them sending me final demands for payment letters with phone numbers, They want return phone calls.

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 2023-07-27
Company: Sezzle 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: Account information incorrect

Complaint:
This account has been paid in full and closed since XXXX of XXXX. I have try multiple times to do a dispute with credit bureaus and I comes back as I still have a balance with the company. But when I talk with sezzle on the phone they tell me I dont have a balance and they send me a email showing that there is no balance. And they told me it would take 2 months to update on credit report, but I been waiting since XXXX. There hasnt been an update on account since XX/XX/2022 on my credit report.I have attached and email send by sezzle stating that there is no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Bread Financial Holdings, Inc.
State: CA
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:
XX/XX/XXXX I received a bill from Comenity stating that I owed them {$490.00}. 
XXXX XXXX switched from XXXX XXXX  XXXX, my bank, to Comenity for there credit card. I paid electronically to XXXX the {$490.00} on XX/XX/XXXX confirmation number XXXX. 

I have been in communication with Comenity through various phone conservations, emails, and a letter, which was signed for, as received. This still is not resolved as of today XXXX, XXXX. I keep getting monthly bills from them with late fees and interest todays bill states I owe them {$580.00}, I owe them nothing. 

There is absolutely no reason why this still is not resolved after all of this time. This company has done nothing to resolve this issue. 

Worst company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. Also I printed out my XXXX reporting and i have 19 hard inquires i have no idea of i did not give written consent to any of these false inquires. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is miss Hard in quires 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 2019-08-08
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Original Creditor XXXX 12 XXXX NEGATIVE SHARE ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-03-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I am a XXXX XXXX XXXX man with multiple health issues. It was important that I have reliable transportation and this prompted me to purchase a XXXX XXXX XXXX. I wanted to purchase a truck due to the need for XXXX XXXX XXXX where I live. I expressed that my needs were health related to the dealership. They did not have the truck which I desired to purchase and that was equipped for my needs. 

The dealership requested that I put a deposit of {$500.00} down to bring a vehicle from another dealership. I was assured the vehicle was brand new and it would be equipped as I needed. I was not provided a picture of the truck prior to my deposit. 

1. The truck arrived and was equipped with mirrior 's which were different than the ones I expected. I began the signing process on XX/XX/XXXX, but then there seemed to be high pressure sales tactics used against me. I walked away from the dealership before even test driving the vehicle. Several days later the dealership attempted to get me back into dealership. I told them I did not want the truck and they seemed to be pushing me into the purchase. 
2. I returned to the dealership on XX/XX/XXXX and I requested to take the vehicle out for a test drive before I signed for the purchase. I noticed there was 160 + miles on the vehicle at this time. Yet the paperwork was submitted for my signature with 66 miles on it and I did not understand why. I requested that the documentation be changed to reflect the true mileage but I was told " it was late, and what was 100 miles ''. I kind of agreed but now I disagree. 
3. I drove the truck from the dealership home that evening and to our Church where I have served as a XXXX  for 24 years with XXXX salary. I drove home with some members of the Church and the truck began to have white smoke and not shift properly. I pulled over to the side of the road and turned the vehicle off. I was able to get the truck home and I had my son " a man like my son '' take the keys and attempt to drive it to the dealership for repairs. He began to pull out of my driveway and the transmission would not shift and ultimately I had to have the truck towed to the dealership. I bought a brand new truck not to have issues and now within the first 100 miles I have an issue.

4. The service department manager looked into the computer and noticed this vehicle had an issue like this previously ( non disclosed ). Further details of all these events are enclosed my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
TD Auto Finance Account Number XXXX Vehicle XXXX XXXX XXXX Vehicle Identification Number ( VIN ) XXXX 1st Per XXXX XXXX XXXXXXXX, they XXXX a check for {$3200.00} to be refunded back to the Loan. As of today nothing yet. Per XXXX tracking # it was delivered on XX/XX/XXXX. Per as well XXXX  : Regards, MESSAGE FROM BUSINESS : Good morning, Please accept our sincerest apologies. XXXX XXXX should not have promised an email confirmation within the advertised time as we have to submit the cancellation request ( s ) to the carriers and get the quotes that will be refunded. Having said that, we have issued check XXXX in the amount of {$3200.00} to TD Auto Finance. The check will go out today and TD Auto Finance will process the refund at their earliest opportunity. We regret that we failed to meet our own standards and we are working hard to get this new store to meet and exceed the service expectations XXXX customers are accustomed to receiving. While we can not re-write history we can try to make amends for our short-comings. The Customer Service Manager will mail you a gift card as a small token of our appreciation for you and your business. Best Wishes, XXXX XXXX XXXX XXXX. 
We submitted an ACH from our XXXX acct. As of today TD has not posted the payment. 

Per TD Auto Finance email on XX/XX/XXXX Dear XXXX XXXX, Thanks for scheduling your online payment! Review your payment details below : Transaction # : XXXX Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$480.00} Apply Payment To : Amount Due TD Auto Finance will apply this one-time payment to your account and, upon receipt of final authorization from your financial institution, a single ACH electronic debit in the amount of {$480.00} will be deducted from your bank account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We began this problem many months ago, but it became impossible in XXXX and XX/XX/2018. The company that has our mortgage is Chase Bank. We have never missed a mortgage payment in 16 years of a 20 year note to date. Chase stepped in to pay our Property taxes that they had never paid before, and they paid taxes that were not delinquent, then set up an Escrow account to collect from us. When we made payments against our mortgage and the escrow amount, they routinely misplaced our payments each month, sometimes replacing the payments in other non functioning accounts. They did not tell us of this misplacing, instead, they reported us to the credit agencies as being late in mortgage payments for 2 months, even though we had receipts showing that if the payments had been placed as the receipts show, we would have no late payments. They apologized, withdrew late payment fees, and claim they remediated our credit report. The very next week, we had new paperwork from them asserting new misclaims about missed payments. Each time I have spent hours on the phone trying to get to a helpful person at Chase, each time there was an apology, retraction, then resuming the problem. Now last week, we received 7 notices from them, each one negating the one before with new fabricated figures resulting from a single misplacement, then cascading to mortgage default. We believe that they are now XXXX bent to make us refinance our loan, as there is little interest money left in the loan at this late stage of the loan, and they have everything to gain by driving us off by pure computer harassment, which is what we have come to conclude from the massive psuedo-incompetence they portray. One of the recent notices even had another customers ' documents within our own. We have saved all this evidence. The original mistakes are easy to fix, if that is the goal, we don't believe that is their goal, rather a pernicious campaign to computer harass us into finding some kind of refinance.

We began this complaint a long time ago, but working with a perpetrator that has no intention of using " good faith '' is not a solution. That IS the problem, they are intentionally doing this because they fear no reprisal from agencies that we can make complaints with. Please renew our complaint from your office without insisting that we go back to ask them to stop harassing us. They will not stop unless facing punishment. 
Many thanks and Regards, XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 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 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: CA
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  XXXX XXXX Account # XXXX and XXXX XXXX Account number XXXX have 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 that a consumer agency can not furnish an account with out 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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