BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I checked my free Experian account 's supposed up to date XXXX XXXX online that states as of XX/XX/XXXX, my XXXX XXXX is XXXX. After confirming my score, I then went to XXXX XXXX in XXXX XXXX, Colorado to secure an auto lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. When I gave XXXX permission to pull my credit report and score for approval from Experian, the information came back as my credit score being XXXX, which is XXXX points lower than my credit score is being reported to me. 

I left XXXX and immediately contacted Experian. I spoke to and was transferred to several specialists that confirmed that my XXXX XXXX is and has been XXXX for some time. I was transferred to someone in membership services and explained my concern with the inaccuracy of my credit score through them. I was told that I should have showed XXXX my credit score from my online account rather than having them pull my credit score from Experian, I have never heard of that being a procedure for any other credit inquiry. I was then told that XXXX creates its own score from its own criteria after they pull from a credit reporting agency and that's why the scores are different. I asked if that means that this inaccuracy is XXXX 's problem and they said yes. I then immediately called XXXX to verify if this is true and they assured me that that is not their procedure and not how they do business. 

Therefore I have come to the conclusion that Experian is discriminating by misrepresenting and reporting inaccurate information from my credit report which led to XXXX 's adverse action to deny me the auto lease. This is to my detriment and impairing my ability to do business as a consumer, and violates XXXX XXXX. XXXX ( b ) for Experian, a credit reporting agency, to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

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 2023-12-05
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX and XXXX, I received written correspondence from Transworld Systems Inc. regarding a medical bill for a XXXX XXXX for {$4500.00}. 

The XXXX XXXX never received any medical related services on the dates provided on the letters from the debt collection agency. 

The XXXX XXXX  was not present at any facility on the dates of services nor was any care authorized by the debtor. 

The parent named as the debtor never provided any consent, signature, verbal or written consent for any medical services to be provided on the date ( s ) of service. 

The debt collection agency is intimidating our family by sending notices for the same illegitimate debt 3 times over the course of 4 days. 

I contacted Transworld Systems XX/XX/XXXX and said this debt does not belong to me or the XXXX XXXX. I was told repeatedly that I could not dispute the debt over the phone and that the debt was valid and that it would be reported to my credit if I did not pay it by XX/XX/XXXX or accept a payment arrangement. 

On XX/XX/XXXX I sent a letter disputing the debt and asked for the information that could be provided, such as the name of the original creditor. 

I contacted Transworld Systems XX/XX/XXXX and asked if my letter was received. I was told there is no record of the letter 7 days after the letter was mailed US Mail. 

Transworld representative said you can also submit your dispute online. I reiterated that their online website was not operating and that I was unable to get credentials to log into the website after several attempts. 

The representative was getting frustrated with me and elevated their tone and told me, you are responsible for the debt and it will be reported against your credit if you do not pay it on time. The representative went on to say, your dispute, even if you really sent one, won't accomplish anything meaningful for you. You will still be liable and further action could proceed against you if you do not pay the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: QUALITY ACCEPTANCE LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NOITICE QUALITY ACC IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues with my open accounts at Equifax and XXXX XXXX XXXX Despite my repeated attempts to rectify the situation, the problem remains unresolved, causing considerable inconvenience and dissatisfaction on my part. I have been a loyal and responsible customer since then. I have always strived to make timely payments and maintain a positive financial relationship with your company. However, over the past several months, I have encountered repeated problems with my account, primarily related to late billings and inaccuracies in my billing statements. I first noticed the issue with late billings on last month, when my account statement for the month of XXXX was not received until now, well past the due date. This delay has had a direct impact on my financial planning and credit score, as I have been marked as late on my payments through no fault of my own. Despite my efforts to address this issue, which include multiple phone calls to your customer service department and written correspondence, the problem has not been resolved. Instead, I have received only automated responses and generic promises that the matter would be investigated and corrected promptly. However, no concrete action has been taken, and my account continues to suffer from late billings and subsequent late fees. I am deeply disappointed by the lack of attention and urgency given to my account 's situation, and the failure of your company to rectify this issue promptly. As a result, I have decided to formalize my complaint and seek a resolution in a more organized and formal manner. I kindly request that you take immediate action to rectify the late billings and related inaccuracies in my account statements. Furthermore, I would appreciate a detailed explanation of the cause of these issues and a clear plan for preventing such problems in the future. If these matters are not addressed promptly and satisfactorily, I may be left with no choice but to consider legal action or reporting this matter to the appropriate regulatory authorities. I hope it does not come to that, and we can find a mutually agreeable solution to resolve this issue. Please acknowledge receipt of this complaint within 10 business days and provide a timeline for when I can expect to see improvements in my account. I am asking for your help to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A bankruptcy discharge was placed on all three credit agencies after I asked that my information not be reported

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2023-03-26
Company: EQUIFAX, INC.
State: MA
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:
Subject : Request for Investigation of Equifax for Ignoring Dispute of Inaccurate Identification Information and Delayed Credit Report Dear Sir/Madam , I am writing to file a complaint against Equifax for its failure to address my dispute of inaccurate identification information on my Consumer file and for its failure to send my credit reports in a timely fashion. Furthermore, Equifax has rejected my appropriate identification documents even though I provided all necessary proof of identity as defined in 1022.123 of the Fair Credit Reporting Act. As a consumer, I have the right to ensure the accuracy of my credit reports and protect myself from identity theft. However, Equifax has ignored my concerns and violated my rights. 
On XX/XX/2022, I sent a dispute of inaccurate identification information on my Consumer file with Equifax by certified mail with a return receipt. The tracking number for the certified mail is XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit A ), and the mail was stamped and received by XXXX XXXX, an agent of Equifax. However, Equifax has failed to address my dispute and update my Consumer file, in violation of 611 ( a ) ( 1 ) ( A ) of the FCRA, which requires consumer reporting agencies to investigate disputes and correct inaccurate or incomplete information. 
In addition, I requested my credit reports from Equifax on XXXX, as per my right under the Fair Credit Reporting Act. I disclosed my full social security number and provided multiple choice answers to confirm my identity. However, their site has crashed on multiple occasions, making it difficult for me to access my credit report digitally without ease of use ( Exhibit B attached ). I have contacted Equifax multiple times through multiple sources regarding the status of my credit report request, but have received no satisfactory response. 
Furthermore, Equifax rejected my appropriate identification documents, even though I provided all necessary proof of identity as defined in 1022.123. This is a violation of 610 ( a ) ( 1 ) ( B ) of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to provide a process for consumers to dispute inaccurate information. 
Equifax 's failure to comply with these provisions of the FCRA has prevented me from accessing my credit reports and addressing the inaccurate information on my Consumer file, thereby causing me undue financial harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly help me correct this account : 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear CFPB The problem with the bank Chase, I'm never received my money, the wire transfer never received the receptor .the amount was us {$5400.00} .The bank never give me answer where the money I would like can help me XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 see 2 hard inquiries on my credit report which I did not apply for : 1. An auto loan from Bank of America inquired on XX/XX/2023 XXXX. A home loan from XXXX XXXX XXXX inquired on XX/XX/2023 I see several soft inquiries which I haven't applied for as well. 

I need to dispute all of these and also place a freeze so my information is safe and protected going forward.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 non-monetary relief