BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX - XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX THE XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 2022-05-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, several complaints were filed with CFPB on behalf of inaccurate PUBLIC RECORDS appearing on XXXX, XXXX, and Equifax Consumer reports do to IDENTITY THEFT. 

CFPB COMPLAINT XXXX CFPB COMPLAINT XXXX On XX/XX/XXXX, XXXX, Equifax, and XXXX have refuse to respond with accurate method of verification to CFPB as feedback to Consumer complaint. 

XXXX, Equifax, XXXX all are liable for willful non-compliance according to FCRA 15 U.S. Code 1681c 2. 

They are in federal violation and refuse to Block information resulting from Identity theft. 

Consumer issued required documents in XX/XX/XXXX, that consist of FTC complaint, Identity Theft police report, a letter from US Bankruptcy Court, and Data Furnisher stating Consumer PUBLIC RECORDS were deleted do to violation of the FCRA. 

After extensive research The Bankruptcy Court sent Consumer a letter stating they have no interaction with credit bureaus, including Equifax, XXXX, and XXXX. Consumer discovered Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAVALRY INVESTMENTS, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company, Calvary Portfolio Services, is well aware that I have an account with them. I spoke to them again last week and they said they WILL NOT forgive this Past Debt. They will continue to keep this on my credit unless I pay the balance in full. This account is over XXXX XXXX XXXX. I told them that I have no means to pay past debts since the death of my husband XX/XX/2019. I live on XXXX benefits only which is XXXX a year. I explained that there were other companies that relieved me of my past debts so that I may move ahead with my future. I said " so you are going to continue punishing me and keeping this on my credit '' their response was " unless you want to pay this account there is nothing we can do ''. This is hurting me for my financial future. I also told them that since there is absolutely I can do to pay this. That I feel like this is harassment and unfair to me. Unfair credit reporting. 

Calvary portfolio services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Ref # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Dear CFPB, I disputed a credit card charge with Chase Bank. The dispute process is supposed to protect consumers against rogue companies overcharging and wrongly charging consumer credit cards. However, Chase Bank 's dispute process is merely a machine that fails to ensure consumers are protected. 

In my case, I bought multiple tickets from XXXX for {$3300.00} per ticket, including their 20 % fee. I attempted to sell one of the tickets through XXXX, but the ticket never sold. So, I listed the ticket for sale on another website ( XXXX  ) and it sold almost immediately. So, using XXXX 's automated system, I requested that XXXX transfer the ticket to XXXX  to be delivered to the new buyer. XXXX charged me {$500.00} to transfer this ticket from XXXX to XXXX, so there is zero argument that they didn't know it happened. But, when XXXX transferred the ticket to XXXX, their system failed to remove the ticket from XXXX 's inventory, and XXXX then sold the ticket AGAIN, thereby double selling the same ticket. 

XXXX then charged me an additional {$3500.00} for their computer error ( not removing the ticket from their website ). So, they not only charged me {$500.00} to transfer my ticket to XXXX, but also charged me {$3500.00} for them selling the ticket again to another buyer. There system should have automatically removed the ticket from their inventory at the same time they transferred it from their system ( to XXXX ). 

Chase denied my charge back request because they don't have a process that cares to understand the circumstances. They have a " machine '' to process chargebacks without regard to consumer protection and common sense fairness. 

Chase is a giant multi billion dollar bank and they are supposed to handle disputed items fairly and with consumer protection in mind. But, they don't. And, they should be investigated accordingly. 

Sincerely, XXXX XXXX. Note the XXXX provided docs that I can't even read. And, you'll notice that none of said docs even address my dispute. Instead, they are just a regurgitation of their contract. But, they don't even touch on the glitch in their automated system that didn't remove my ticket from their inventory after they transferred it. It's an automated response by XXXX, and Chase just accepted the non-sense and didn't refund my {$3500.00}. It's unfathomable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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 XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i rented a storage unit, paid the initial move in fees but moved out within weeks due to change of plans.I returned the key to the front desk and they closed the account as i requested. Two months later i started receiving calls and a letter from ALLIED INTERSTATE LLC collection agency requesting payment for {$97.00}. I contacted XXXX XXXX and they confirmed that it is an error and that i owe nothing but the collection agency is still trying to collect a debt. PLEASE INTERVENE.!!!.

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 2023-07-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was charged extra amount for my car loan through Wells Fargo. My car was also repossessed by them during a lawsuit that I was never compensated for. I tried to contact Wells Fargo but they dismissed my calls. Please help me to find out why I was not included in this lawsuit. 
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 explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-05-27
Company: EQUIFAX, 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:
Ive disputed this item several times with no resolution. The company told me themselves that the account holders last XXXX digits of their social was XXXX. My last XXXX is XXXX. None of the identifying information matches my information but the name for this account XXXX and XXXX has deleted this account from my profile but Equifax will not! I also completed a XXXX  affidavit and sent it it several times which they also did not accept. I want this account that does not belong to me removed immediately its ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am XXXX XXXX and my wife is XXXX XXXX. We bought a property at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. We lost our property in a court procedure on XX/XX/XXXX. The bank that was in charge of the mortgage was XXXX XXXX. We summited all the documents required by them about this property. Eventually, XXXX merged with Freedom Mortgage. This property was paid in full by XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. ( XXXX ) XXXX XXXX and email : XXXX. After several calls with Freedom Mortgage and sending them the pay off documents, they still insisting on payment on the property loan. Instead of reviewing the documents that I sent to their litigation department they rather call almost every week to insist on payment.

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 2020-05-21
Company: Trident Asset Management, L.L.C.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my credit reports for {$24.00} from Trident Asset Management. It states the original creditor in XXXX. I never received any bill from XXXX so I contacted them and was told they didn't show any past debt. Surely I would not have allowed a {$24.00} debt to go to collections. 
Trident Asset Management will not remove this collection from my account even though I do not believe it is mine and XXXX has verified this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TN
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:
In XXXX of XXXX I noticed Experian was reporting a delinquent account with XXXX. I disputed this account directly with XXXX as well as Experian advising this account was opened fraudulently as a result of ID Theft. I submitted a local police report, a FTC id theft report as well as all they required documents they requested. Experian came back advising this account will remain due to the information the data furnisher provided them they have deemed this account to be valid. It is not a valid account, it is a fraudulent account. I have requested Experian provide me with the evidence they received so that I may have an opportunity to review and dispute any inaccuracies or insufficient information and they have failed to provide me of that. The XXXX accounts were opened in XXXXXXXX XXXX XXXXXXXX but did not report to my credit report until XXXX XXXX XXXX I did not authorize these accounts and have provided more than enough evidence to support these are fraudulent. Experian as well as XXXX are refusing to provide me with evidence that supports their claims of these accounts being valid. I have requested proof of a signed contract with my actual wet signature, not a generic electronic signature that anyone can forge to a document. I have asked for them to verify that signature if provided with the signature on my drivers license, but they have failed to do so. The only response I receive from Experian is the data furnisher provided evidence that proofs validity, but will not provide me with those findings.

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 2023-10-24
Company: Experian Information Solutions 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 Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX 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 explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX ACCT XXXX, XXXX  XXXX XXXX  XXXX  ACCT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX and 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 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
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3300.00} ; XXXX XXXXXXXX XXXX {$7500.00} ; XXXX XXXX XXXX XXXX Balance {$140.00} ; XXXX XXXX  XXXX Balance {$78.00} )

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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inaccurate information on my credit report that does not belong to me. I want the accounts removed from my credit report. 



XXXX credit report 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 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

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 2021-07-22
Company: Experian Information Solutions 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:
On XX/XX/2021 and again on XX/XX/2021 I sent letters to Experian XXXX and XXXX concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX report. After several phone calls and the additional letters, Experian and XXXX has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Vehicle Solutions Corp
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card 4185 account under an open end consumer credit plan as late for and purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation