BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: TN
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 XXXX of XXXX I sent XXXX and Experian a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus receive a copy of this info and still responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. I have updated with a document sent XXXX of XXXX reassuring that the item in question has indeed been deleted .Please process this and do not close out as a duplicate as I have presented new information supporting my claim.

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: EQUIFAX, INC.
State: AR
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 am submitting this CFPB complaint to request that you remove the fraudulent Accounts and information I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that you should remove : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-08-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I made a payment by XXXX from my XXXX  account to XXXX recipient XXXX which is a Chase account holder. XXXX confirmation number : XXXX 
This transaction shows completed and verified in my XXXX account. By XX/XX/XXXX the recipient received a Chase reversal of the same amount in their checking account and they claim that the money was sent back to me but this money was never reimbursed back to my XXXX account. 
The recipient ( The XXXX  ) claims that a new payment should be made by me or they will end my services contract. 
I understand that on XX/XX/XXXX Chase bank had a technical glitch which duplicated all payments/deposits and reversals were made on XX/XX/XXXX on Chase account holders to amend this situation. My counterparty claims that my payment is not in their account but I have confirmation that the money didn't go back to my account. My counterparty doesnt acknowledge double postings on their account. 
By now the recipient has cancelled my contract and still don't know where the money that I paid on XX/XX/XXXX is. 
I filed a claim with XXXX under number # XXXX to track the transaction and verified where the funds are. 
I need to clarify where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: U.S. BANCORP
State: NV
Product: Credit 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:
I have a service for expirian and he sent me a notice that have my credit user go up. I login and I fine a credit card for US bank State Farm is used for {$4300.00}. I call to US bank and report the fraud problem the purchase was made in XX/XX/XXXX and XX/XX/XXXX ( I have the card for more the 4 years and I never active and never used ) He toll me that I have a credit the {$970.00} and respond that credit do not my ether. I received the balance for XX/XX/XXXX with the purchases take out and for a credit ( that no is my ). I received a new balance for XXXX with all the purchase again for {$3300.00}. I call and he toll me that they contact the commerce and i need pay the bill, and If I had a police report. I go and make a police report and fax to US bank for the reopen a case. He never send nothing again. 
Yesterday I received a email tell me that I have my bill past Due. I call and now my balance go up because he charge me interest and penalties.

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 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Sir/Madam, In early XXXX 2019 we made a trip to XXXX, renting a vehicle from XXXX XXXX XXXX  in XXXX, The XXXX. 
We returned the car on XX/XX/XXXX. without any trouble, after an overnight stay at a local hotel. As my wife has trouble walking after a XXXX XXXX, we parked on a hotel parking XXXX place, displaying our XXXX placard from the rear mirror as usual. This has never been a problem on this trip. 
On our return home, we noticed on our credit card bill a charge of {$460.00}, from the rental car company, as a fine from the local police for parking in the wrong spot. 
We learned later that the rental car owner gets the fine and is supposed to re-charge this to the customer. 
XXXX XXXX  send us an invoice, explaining that there is a system of appeal if you believe this is not correct. If you lodge an appeal to the local authorities, their website explains that NO PAYMENT is required as long as the appeal has not been decide by a local judge. We immediately informed XXXX XXXX  of our decision to lodge an appeal and questioning their reasons for paying prematurely. 
We also disputed this charge with the credit card company, Capital One. 
Last week we received a letter from the local authorities in The Netherlands that our appeal had been found valid and no fine and/or administrative costs had to be paid.All documents, with translations where necessary, have been sent to Capital One, which they acknowledged. 
We immediately informed Capital One of this course of events with the request to reimburse our account as soon as possible. 
This morning, we received a phone call from Capital One that they can not do this because the merchant ( XXXX ) has not told them to do so. A phone call and two emails to XXXX also went unanswered. Now we are between a rock and a hard place, and we would like you to intervene with Capital One to make us whole again. Thank so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
The following inquiries were not authorized and need to be removed from my Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity stolen. Please comply with the law and help me resolve this matter at the earliest possible time.

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 2022-01-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my 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 explanation
Consumer complaint received 2023-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH XXXX AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( XXXX  ) ( A ) ( i ) ( XXXX ) ( XXXX ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my 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 2022-12-29
Company: EQUIFAX, INC.
State: VA
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-07
Company: The CMI Group, Inc.
State: CA
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:
Just tonight I got an alert on my phone and two different management companies about having a big change in drop of my credit score so I looked it up and it said that I am extremely delinquent on a XXXX XXXX account that I shut down myself because I had to move off grid because of Covid and they told me they would pick up the equipment and that was that now months later it shows that I have XXXX balance and that there is collections agency on top of this now and I had a perfect record of payment everything was an auto pay I wouldve paid for this theres nothing to pay for though because the equipment was returned I checked my account when I was able to get electricity again months later and it said there was XXXX balance and so tonight I talk to XXXX and they said that they cant do anything and I asked if they would send a letter or I dont know I just pressed for something and then they said theres no record of them even sending my anything to a collections agency so I have not yet attempted to contact the collection agency I thought I should go to XXXX  first because you know what Id rather not have all these negative things on my credit report thats what I wan na repair I just got it repaired after having XXXX and having it be destroyed and I do not know about this if I knew about this I wouldve taken care of it Im not happy about it and I dont want to pay but if it is about money then if they can take off the strikes against my credit report I would pay but I think thats wrong I shouldnt think that or even offer that because the fact is that they got their equipment and didnt put it in their system as such or they did and I dont really know whats going on but I was reporting here because the collections agency which I only found out about From XXXX in to various thinking assistant apps that showed me the name of this XXXX  XXXX company a & I searched XXXX before Actually complaining hereand there was 42 results And I read all of them and any of them that had anything to do with XXXX and that XXXX  XXXX seem to be able to stand still and again this is the first Ive notified of it because it got to my credit score and I need that to be taken off and I will do whatever I can but I think I need assistance and its because of Covid theres a lot of reasons I know I should be asleep now because I have to do something with my family and yeah at least it shows I have no balance my account shouldve been closeout but I can still login but it doesnt say I went to collections it looks as if everything was fine Im really frustrated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.

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