BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation.

- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address.

All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2022-12-26
Company: EQUIFAX, INC.
State: AL
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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: General Motors Financial Company, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got divorced and my exhusband XX/XX/2019 and he was taking the car that was financed through GM Financial and was suppose to get it put in his name and take me off per the Judges orders. I took possession of the XXXX and have been continually making on time payments of {$380.00}. He was paying me {$300.00} a month to make the payment so that I could pay the loan until he got me off the loan. He stopped paying me and stopped paying child support so there was no way I could pay the payment. I notified GM Financial and they didn't seem to care. They said I was the cosigner so if XXXX ( my ex ) did not pay then I had to. They also said that it was a civil matter and they would ruin my credit unless I paid since XXXX wasnt paying. Its not fair that this is hurting my credit when he was responsible for the payments. The car got repossessed. I just want this off my credit and it should only be affecting him. This isnt fare that I'm raising our kids on no support ( he got caught by XXXX and was forced to start paying again but has recently quit his job so child support is stopping again ). There is no way I can pay his debt too. And I can't afford to hire an attorney again to take him back to court for not taking me off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

2.Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

4 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, the same day as my complaint regarding a credit card being issue in my name from XXXX XXXX XXXX XXXXXXXX, an unauthorized transfer of {$10000.00} was debited from my business account at Wells Fargo Bank. I have contacted the Wells Fargo Fraud Department and the case has been assigned XXXX. 
Posted Transactions XX/XX/23 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Category : Other Insurance/Financial We have no knowledge of this person and the vendor 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 monetary relief
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company CAPITAL ONE , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining
to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
On my 3-Bureau credit report, I have one late payment showing on a Bank of America Card XXXX I have no memory of this late payment. I want this removed 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 2022-06-14
Company: Experian Information Solutions Inc.
State: LA
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:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2023-02-08
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Pay Pal LLC invoice scam. Legitimate email from actual true Pay Pal that is a SCAM invoice. XXXX Hello, PayPa Client Here 's your invoice PayPa LLC sent you an invoice for {$360.00} USD View and Pay Invoice Buy now. Pay over time. 

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in 6 months. Subject to credit approval. See terms. US customers only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good day, I have bought my XXXX XXXX XXXX XXXX as a used vehicle for {$18000.00} which comes up to {$22000.00} on XX/XX/XXXX. Every since I was making payments of {$500.00} some months insurance off my loan of {$440.00} per month to reduce the principle. I have overworked in my medical field during the pandemic and subsequently exacerbated my XXXX XXXX XXXXXXXX from injuries ( XXXX on. XX/XX/XXXX ). I have missed about two payments and spoke to Wells Fargo several times during the pandemic and to the end of the pandemic about my illness and to reduce my interest rate or change my payment date from XXXX to the first of the month. Since COVID-19 outbreak started ; however, XXXX XXXX XXXX XXXX XXXX XXXX Im early XXXX. I have decided to make the payments in the back from my debit card. Recently, I paid off my loan amount XX/XX/XXXX, in the sum of XXXX inside the bank ( branch ) as I normally do ; but I relieved that the bank was charging me later fees from XXXX until the day I paid off the loan of {$44.00} each month the wrong/later fees were applied to my loan. This is over {$600.00} dollars or more. When I asked about this the representative would drop my calls. Now, Im still seeing balance owed of {$5000.00} on my Credit when I check XXXX, XXXX and XXXX. I need my statements from year XXXX to current but they ( Bank ) refused to send or speak to me. My loan is due XXXX of each month except on weekends and my grace period is 15 days, but why am I charged late fees {$44.00} when I made payments on the XXXX, XXXX, XXXX or XXXX of the month. These are the days when my VA compensation payment posted. I need answers and removal of these late fees from my credit and what is owed back to me. 


Sincerely, 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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately.

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 2021-08-27
Company: Professional Debt Mediation, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : PROF DEBT, Account Number : XXXX. 
I would like forPROF DEBT to show proof of verification that I owe them {$1900.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. 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 the verifiable proof, you must remove the accounts listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: JPMORGAN CHASE & CO.
State: NJ
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:
NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in Chase Bank on XX/XX/2023 in my business account. I contacted my customer and the my customer said that they had already paid the money and their bank showed that Chase had received the check paid by my customer in full on XX/XX/2023. I also confirmed that Chase had got my money. The bank put a hold on my account and froze my money and asked to do a check verification. I did not hesitate to cooperate with them for this certification. At the beginning, Chase asked me for bank authentication and did not accept the phone number provided by my customer, and said that this number could not be authenticated by Chase system. Both my customer and I felt very absurd, because this number has been used by their company since its establishment, and this phone number is also written on this check. I have also been in touch with my business customer and the business that's issued this check is willing to help me to authenticate me, and fax their bank information proof that the money has been deducted ( cleared check ) to my email. I went to the bank counter with the documents, but the bank still did not unlock my funds. In various ways, I felt discriminated against. I felt that the bank was discriminating against XXXX people! Not a little bit of help to solve the problem, all kinds of troubles for me and this is too much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I sent a letter to Experian notifying them that I have NEVER lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses are business addresses which would make it impossible for either location to be my place of residency. I asked them to delete both addresses and any associated accounts that may be associated with this false information on my report. Experian failed to delete the addresses. ( See the attached letter ). 

I also notified them of the inaccuracies on the XXXX XXXX  Account No. XXXX. They claimed the account was verified after I pointed out that they were reporting the wrong date the account was first reported. They show two different dates one says the first reported date of XX/XX/XXXX but the account history shows the date first reported was XX/XX/XXXX. Which one is accurate? How is this consistent? 

I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. They did not respond with proof of me ever being late. 

I received a response from Experian XX/XX/XXXX saying the accounts were " VERIFIED '' and updated, however, the errors are still being reported after I pointed them out. Clearly, this information doesn't make sense and a proper investigation was not performed.

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 2023-08-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2023, I was hospitalized XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with Prestige is negatively impacting my credit score. Due to the hospitalization in XX/XX/2023, I am requesting that the late payment be waived and update to paid on time. 

For the past 5 months, my account has been on automatic payment withdraw to ensure payments have and continue to be on time.

Company response to consumer: Closed with explanation