BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-04
Company: Chime Financial Inc
State: IL
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:
Beginning XX/XX/2021 my account info was stolen and used for malicious intent. All of my benefits were being put into the account and were stolen by theives ive lost money and my home I contacted the company who assured me I would get my money back after 10 days two months went by and I received a email saying my claim was denied. All of my claims filed throughout the year of XXXX  was denied with no reason why. The company says they have their reasoning but gives no information as to why they came to the decision I have been a chime member for over 4 years and this has happened many times and they are no help at all with solutions I have many ppl saying the same things this has to stop theyre letting people steal and get away with it with no regards to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ben getting a lot of calls from Central XXXX Portfolio control, explained to the lady on the phone that i didn't owed any of those medical bill that she claimed, I even told her i i work for XXXX XXXX as XXXX XXXX XXXX  and my primary care provider and medical/health check up/visit is all through XXXX XXXX. I even send them a copy of my insurance to XXXX. Also explained to them that I'm a victim of Identity theft. 

Instead of leaving me alone, they called me multiple times and threatened me, my wife and my kids by telling me that they will get their attorney and the federal government to put me to jail if i don't pay up and their attorney is able to get the judge to put me behind bars for my whole lifetime, they also tell me they have the capabilities to destroy my credit history which they have done that as my credit report shows central portfolio control. They also harass me by calling me multiple times, in the morning around XXXX to XXXX XXXX, in the afternoon around XXXX XXXX, in the late evening around XXXX to XXXX XXXX. 

I try to explain to them every time they call me but they just don't even bother to work with me even after i told them i even send them a copy of my insurance card to show that my insurance and the company i work for is XXXX XXXX, Please assist me in this issues as i have tried everything i can and they keep harassin me on a daily basis. The phone number they called from is XXXX Have a bless day! 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-12-06
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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

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 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 XXXX XXXX 

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. 

XXXX is re-aging the debt which is against the FCRA.

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 2019-10-07
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: Account status incorrect

Complaint:
A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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 fraud alerts or security freezes

Complaint:
Experian took all my privacy act information and credit card information online before informing me that they could not process my request for a credit freeze. 
Tried to call but no option to reach a human being. Tried the automated option over phone and once again entered my credit card information only to be told again they could not process my request.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Most importantly I have requested a reinvestigation of these account below. Transunion has stated that everything was complete and accurate. Can you tell me how is that possible when open date, last activity are much more is incorrect. Delete the accounts below because this is causing stress and agony on me. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name Credit Collection ( Original Creditor-The General In Company ) Account number : XXXX Account name : XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : Consumer Adjustment Account number : XXXX 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.

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: 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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I am filing a complaint against Equifax credit bureau, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. The erroneous information is still in my file although they said it was removed. 

I am also filing the complaint against XXXX the the same erroneous Public Records information which was not verified and should be deleted permanently. they claim was verified XXXX, but wasn't see attached Opt out letters dated before that date. 

Also the inaccurate employnent American verified XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXXXXXX 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.

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 2023-06-26
Company: TriPoint Lending, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX of XXXX I was contacted by Alleviate Financial solutions with an offer to help negotiate and consolidate my credit card debts. I was told the company would send out proposal letters to my credit card companies to settle the debts for less and get them paid off, while debiting my bank account a monthly amount that will be paid towards my cards until all debts were paid off in a 12 months period. I was also told my credit score would dip but then go back up with reflection of good faith on all account that were put into the program, I agreed, of course it was about 2 hours long conversation trying to understand how this works. 

What i was NEVER told about during the conversation, was fees i will be charged monthly just to have XXXX  debit my account and fees from Alleviate just for talking to me on the phone. I was NEVER told that my credit cards account to be behind on payments. The gentleman on the phone stated everything we spoke about is what will be in the contact and so I signed. 
It was agreed that i would pay XXXX every month. Starting around XX/XX/XXXX the deductions started. About 3 months when by and I was still paying my cards on my own. I finally decided to contact the creditors, only to find out Alleviate never submitted a proposal. I wait again only because I thought maybe this is how it works, it takes time and an accumulation of the money before it goes out. Then I called them about XX/XX/XXXX to see what was happening. Then it was explained to me by an individual ( XXXX ) that my accounts aren't supposed to be current, and he is sorry that wasn't explained to me. It was then agreed I would get a refund and close out my account with Alleviate and XXXX and by the following week which would be XX/XX/XXXX I would get a confirmation letter of closure and a check would be mailed out to me. 

Check came in the mail by XX/XX/XXXX for $ XXXX what am i missing. Lets do the math. 
5 months of paying {$270.00} = {$1300.00}, a difference of {$420.00}. I called, and was told about monthly fees of {$9.00}, then a startup fee of another $ XXXX, then legal fees of {$250.00}, plus another {$39.00} for something else. Wait legal fees, are they an attorney base program? I asked to speak with a manager. 
I waited for a manager to get on the phone with me for an hour and was told all mangers were busy and they will call me back. 
Today is XX/XX/XXXX. I was given a XXXX number as the number calling me back. The gentleman I spoke with today was XXXX and I called XXXX. 
What scams to get peoples hard errand money? All I was looking for was honest help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please disregard previous complaint ( XXXX ) as I checked the wrong box [ Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) ] ; Whereas I shouldve checked the box-Credit inquiries on your report that you don't recognize, as I did with this complaint. See attached for additional information.

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: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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 XXXX accounts with XXXX Bank that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. XXXX laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 A. One account was closed by them even though the account was current. The other one is still open. I want the last fees status updated on my report from XXXX of 2021 thru XXXX of 2021. I paid the account in full before they decided to close the account. The other open account is current. Please resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Regional Management Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received an actual check and letter mailed from Regional Finance to my address. The check is deceptive and is intentionally created to easily fool and take advantage of others by not realizing this is a personal cash loan. This was a pre-approved cash loan offer for {$2400.00} which I did not apply for. The sole intention of this letter and check is to take advantage of others especially stating to deposit the check at any bank. Monthly statements will also not be issued, causing victims to not realize this is not an owed check to them, but they are instead entering into a loan unknowingly and unwillingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Caliber Home Loans, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After a post covid flex modification, Caliber has not settled my account. I have continued to make my monthly payments that were agreed to in the modification and am seeing now a new random charge of XXXX which is not related to my monthly payment. This is not my monthly payment and I have called in 4 times and been told that I have money in a suspense account that needs to be applied to my an outstanding random balance and to not make payment unless I want to pay a month ahead. Yet, they now have reported me being late on payment to the credit bureau. This is illegal to report me late if it was a result of covid and the modification process! They also indicated that this mess is all because they said they got a new software system when I was coming out of forbearance. I am at my wits end with this company. Please help me get this resolved and fix the credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
you do not have the lawful authorization to share disseminate distribute and publicly display private information without proper authorization which is granted by me signing and you having on file and record, the SSA-89 OMB NO XXXX Delete the accounts listed or i will seek law suit, unless you can prove to have the beforementioned form on file from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters to XXXX XXXX, XXXX, experian and im on my 3rd round with experian. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX  seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX to the other two bureaus but still have no response.

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