BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-06
Company: TRANSWORLD SYSTEMS INC
State: IL
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:
Transworld system Inc has placed a utility on my credit for something that was opened in Texas. I have never lived in Texas and filed police report and a fraud statement. and sent that into Transworld. I also sent in a dispute to the bureaus and they did not remove the account and further went on to claim that Transworld verified. I have never even been to Texas and do not know anyone who is there. This is not my account and I am in the process of getting a new home. I have done everything that Transworld has asked that I do and sent it in. I need this deleted as soon as possible as I have lost points on my credit score for something that is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX XXXX 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 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 2023-12-09
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XX/XX/XXXX  Ive went to Chase Branch ATM to make a withdrawal of {$660.00} which the ATM machine was failed to dispense my money but took my funds out of my account. first attempt the transaction was denied which is unexpected because Id have enough amount to for ATM to dispense, Ive tried again on the second attempt the transaction also denied Ive went back right into my bank app to check whats going on, I have noticed the transaction has took the following funds out of my account pending of {$660.00} which is what I was trying to withdraw but it didnt dispense any following Cash Ive went inside the branch spoke to the one of the clerks also notified about the incident I was insisted to call the Chase dispute and I will be getting refunded with the funds that was withdrawn from account. Ive called and filed the claim on the same day that had happened I was promised I will be getting my funds back at the end of the same day or at least by Saturday which has not yet posted on my account. I am demanding for my funds to be refunded as soon as possible I have important things that I was trying to do with the funds now Im no longer have access because Chase is fraudulent holding my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: WI
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:
There is a collections account on my report. I have never had an account with the original creditor. Somehow an account that doesn't exist has gone to collections. I have asked Experian to verify the account. This last time I asked for additional information such as any shred of evidence of the collection. They responded by " completing the dispute '', followed by a horrible display of the end result ( with zero additional information ). They have previously asked for evidence that I paid off the collection, which is quite difficult when I don't have any account that I owe money on. It's like talking to a wall.

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 2023-10-28
Company: EQUIFAX, INC.
State: WI
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Paid {$3000.00} down payment on 2014 jeep XXXX XXXX. Brought it back multiple times. The first time being XXXX weeks after I bought. Had multiple recalls which they never addressed. XXXX of the recalls which has no remded to fix the recall. Nothing ever was fixed only cleared my check engine light then sent me on my way. I spent countless times emailing about the problem and trying to contact management. Which they never once got back to me. Then I decided to trade in the vehicle with all the problems I had on it. They decided my vehicle was only worth {$10000.00} because of the problems which they never fix or addressed to me while I had the car. I was left with nothing else to trade it in or not have a working vehicle. The vehicle I had gotten, had a broken headlight which when I had told the car salesman. He stated in text that he would have a new XXXX ordered and after XXXX weeks never gave me an update. Then when I had called today. They said they never ordered it and they werent going to fix it anymore. When I had bought the vehicle the XXXX had stated everything including the tires was in my warranty. Which was a lie. He basically told me XXXX thing and had me sign another after being in the car dealership for XXXX hours. This isnt the only problem Ive had with them either. I had purchased a XXXX wheeler from them and the second day the radiator fan had blew which was a {$400.00} fix. XXXX convinced everything there has multiple defects they hide to pass inspections. Which is straight fraud to the XXXX items Ive bought from them since XXXX, all of which have had multiple problems and they fail to help those issues. Ive spent over {$7000.00} in payments towards everything XXXX the $ XXXX I lost on my trade in they wouldnt add for my jeep cause it had recalls. XXXX just beyond stressed mentally as this has been my first time financing anything besides a house. And its been a complete nightmare! They wouldnt even ship me my papers for my car for XXXX weeks after I paid. They refuse to give me my down payment back from me originally buying the first car and refuse to give me my XXXX coverage money back.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 requested an investigation in to the reporting of my credit on XX/XX/2022. I requested that Transunion look in to my credit report and fix the inaccurate reporting that I listed. On XX/XX/2022 I sent out a follow up letter demanding the company comply with the initial letter I sent out. After thirty ( 30 ) days of not receiving any feedback from the company, I began to contact the Consumer Financial Protection Bureau ( CFPB ). I never received a response from the company until the CFPB was involved. Which was nore than 30 days after i sent my initial letter. Please note that " you have 30 days to complete an investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation. ''

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 2022-05-16
Company: Genesis FS Card Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a letter in the mail saying we missed a payment and we owe {$530.00}. we called Genesis FS Card services and told them we did not have a credit card with Destiny XXXX. we do not have any XXXX. they told us to go to this site and fill out a conplaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Vehicle deemed total loss on XX/XX/XXXX due to an accident no fault of mine. Insurance check mailed to Chase Bank on XX/XX/XXXX. They documented in their system received XX/XX/XXXX and was told they had to hold check for XXXX business days due to the amount. On the 10th business day XX/XX/XXXX, I called to inquire on status and they promised they would get approved and mailed in 48 hours. I have called every other day since XX/XX/XXXX and have been getting the runaround about why it hasn't been mailed yet. Every day someone says they are escalating and sending overnight and as of today ( XX/XX/XXXX ), they are still saying they are working on it. 

Please advise if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act., the account below as well as the reporting agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account XXXX XXXX. In regards to the account mentioned, in attempt to remove the negative and falsely reported information, I have received a letter stating the company has verified an account which was not requested nor has the account in any way been actually verified. As I stated before, 15 U.S.C 1681 section 602 A. States I have the right to privacy, which the company and reporting agency clearly violated. Also, 15 USC 1681b states that you MAY furnish a report in accordance with the written constructions of the consumer, which I HAVE NOT given you as you have violated my rights.15 U.S.C 1681c section ( a ) ( 5 ) 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. Numerous laws have been violated regarding this account and I want it removed from my consumer report immediately. I am aware of my rights as a consumer, if my demands aren't met I am prepared to escalate the matter to court regarding both companies for remedy. This account has brought defamation of character, stress and hardship upon my life. I am unable to move forward in business because of false and negative information on my account. XXXX has removed the account XXXX XXXX XXXX due to false and negative information being reported, also the account being reported without my consent. I have all exhibits to show that XXXX has complied and provided remedy to show in court. I want it removed 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 2021-05-31
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, and Equifax have each violated the FCRA section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] by failing to remove unauthorized and impermissible credit inquiries from my Consumer Credit Report. I did not give written permission nor consent to report the following credit inquiries ; XXXX XXXX, Equifax Mortgage Service, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. As a consumer these unauthorized and impermissible Inquiries MUST BE DELETED IMMEDIATELY Or I will seek monetary damages in small claims court in my city and state. impermissible credit report access is a breach of your privacy because A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. The FCRA section XXXX Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Clearly states ; ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX has been on. My file for 7 years and 7 months its been paid and should no longer be on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received received multiple phone calls during work hours. I also received multiple letters from this company. This is a form of harassment.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, XXXX and Trans Union is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of XXXX  and trans Union report reflecting 30 days late payment XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Please read the complain before sending out an automated like response. I want a thorough investigation of my concern before I take a legal action. I don't want automated like responses, explaining how credit scoring works and how you can not disclose the credit scoring model. I am well aware of the procedure. If something in my report changes, my credit score changes. 

But my credit score has changed without any changes to my credit file. I want a detailed investigation from the bureau of what changed my score if nothing in my credit report has changed. Seems like credit reporting bureaus are practicing fraud and playing with average Americans life. 

I am attaching 2 images of my credit file, one its from XX/XX/XXXX and other from XX/XX/XXXX. As shown in the report, there are no changes to my credit file but still my credit score has dropped. I want answer to my specific question, of what caused the drop if there were no changes to my report.

If the bureaus has renewed one of my old debts to show as if it has happened just now, this is fraudulent activity as an old debt can not be renewed. 

I am in a process of buying a house and I will seriously consider a strong legal action against the bureaus if I don't receive a specific and detailed answer to my questions.

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