BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-02-14
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-04-25
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-12-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX fraudulent account It was removed from my credit an added back an it's affecting my credit score my score dropped XXXX points because they added a fraudulent account back to my credit after deleting it an by law this can't happen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
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: 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other 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 information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Wolf River Development Company
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX PA XXXX is a fraudulent address listed on all 3 credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all 3 credit bureaus and my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2017-05-10
Company: Sierra Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible sierra finance  XXXX / XXXX / 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Last year I received a promotional flyer from TD bank in my mailbox. This promotion was a bout a welcome offer bonus of {$300.00} dollar, when you met the following requirements : XXXX XXXX XXXX XXXX Checking account. 
XXXX. Get paid by Direct deposit at least {$2.00} within 60 days of the account opening. 
I went to the TD branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. 
Showed up with the promotional flyer and my personal documentation to procced the with account opening, when I got at the branch, I spoke with the BRANCH MANAGER AND THE BANKER who helped me through the process mentioned me, that I was good to open the account and get the promotion if I met the mentioned requirements. 
I opened the account on XX/XX/2022 and I got the first direct deposit FROM XXXX XXXX PAYROLL on XX/XX/2022. 
Today is XXXX, and the welcome offer they promised me isnt received yet. 
I contacted TD customer service by secured messages since XX/XX/XXXX, explained the situation and theyre just going back and forth with me. What their saying is that their promotional department couldnt find my promotion. I am so upset at this point, is not fair because I am a customer like any other TD customer, I meet all requirements and I deserve the same benefits even more because I had the promotional flyer. 
I demand TD bank an answer as soon as possible, why I must refer this to the CFPB instead of just receive the benefit automatically like all your other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

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 2022-04-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
Between XXXX and XXXX of 2020 I was unable to make my minimum payments toward my credit cards. My inability to pay was entirely due to the COVID-19 Pandemic. I had lost my job and had to prioritize feeding my children. 

The CARES act irrefutably outlined multiple accommodations that banks/lenders were required to make, in addition to countless highly encouraged yet ultimately optional mutual agreements between said companies and their respective customers. 

As Ive outlined in great detail to both Chase Bank and the main 3 credit bureaus, MULTIPLE TIMES, my late payments were due to the natural disaster of COVID-19. My accounts prior to the declared natural disaster were spotless with no missed payments, as are the accounts now. Ive shown that there were exceptional extenuating circumstances which impaired my ability to pay these accounts yet have managed to get them all back into current statuss. 

The issue here at the end of the day is this. 

My delinquencies were due to COVID-19.

I had no money or ability to contribute even a dollar towards these debts due to COVID-19.

I have since brought everything current and have proven that my delinquency was solely due to COVID-19. 
Since those late payments have shown on my credit report, I have had multiple accounts cancelled in addition to being unable to qualify for my lease renewal. These late payments are destroying not only my but also my children 's lives. 

In good faith and with regard to the legislature that specifically covers the time in which these delinquent payments incurred, I request that all late or delinquent payments being reported on my credit report by Chase Bank are removed and are updated as on time payments. Please reference the CFPBs website for confirmation of the above. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : 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 2022-04-01
Company: CURO Intermediate Holdings
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Well first off I was denied for this loan so I don't know how I could possibly even be sued for not paying a loan that I was denied for. I applied for the loan with speedy cash in XXXX of XXXX. And was denied less then two years later in now receiving emails saying that I'm getting sued for not paying back this loan and that I should get ready to spend 3 years in jail. The loan outstanding amount is for XXXX. The settlement amount is XXXX. And if I were to work with them they would lower the price to XXXX. And if I still didn't then they'd take me to court or would contact my employer. And then the lawsuit would cost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023 I received an email from Venmo stating that I had cancelled my Venmo account. I had not. I called Venmo on XX/XX/XXXX and was told that on XX/XX/XXXX I had cancelled my account. This is not true. I never initiated an account cancellation and furthermore received no communication until the XXXX of XXXX regarding this. It's extremely concerting and troubling that this was somehow done without my permission or authorization. I have two-factor authentication for my Venmo account and would think this would come into account with such a major thing like cancelling an account. I asked Venmo via phone repeatedly to confirm how this was done and they are unable to provide any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the past few years I 've been disputing an outstanding collection on my credit reports with  XXXX  and equifax. The situation is i purchased a cellphone from  XXXX  through   XXXX   XXXX    XXXX   0f 2014. I  was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to  XXXX . Down the line a receive mail stating I owe  XXXX   XXXX   XXXX  for something that i returned and do not own. I returned to best buy to get a copy of the retiring receipt which i forward to the collection compa ny (   XXXX   XXXX   XXXX  and the  Reporting age ncies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent XXXX, Transunion, XXXX, dispute letters requesting that they fix the errors or delete them because of the information I found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a job and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent accurate

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