BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXXder {$520.00} 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 written instructions.

15 U.S.C 1681e. XXXX XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 XXXX XXXX XXXX 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 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 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.

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 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 3 credit cards with Capital One. All of these cards have an annual fee. I contacted Capital One and have tried to get the company to transfer these cards to cards to ones that don't have any annual fee. I was told to call back close to the time the fee would be due to check on any available cards that would be without a fee. I tried this many times as the fee on each card would become due. It was a complete was of time. I explained to them that I live on a fixed income and these charges are difficult for me to pay. I have no balance on these cards and the only thing I have to pay is their annual fee. All other credit cards I have there are no annual fees. JUST CAPITAL ONE. You would think they would have some understanding and want to help. I explained to them I don't want to close these cards because that would damage my credit score. Can anyone help me. I was only able to list one of the 3 credit card numbets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: CBC Companies, 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: Public record information inaccurate

Complaint:
To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: American Credit Acceptance, LLC
State: GA
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 never communicated with XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 or XX/XX/2022, American Credit Acceptance on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Zenith Financial Network Inc
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The agency calls every day. Today I was able to answer the call. The representative XXXX explained who they were, what they were attempting to collect and asked me to verify the last four of my social. I did. I asked for proof or something in writing of what they were collecting. She stated that a letter was already sent out. I asked her to send it again as I never received anything. She asked for my address while I requested her to send it again. I asked her to stop talking over me and she hung up. I called back, explained I was disconnected and this time I was talking to a XXXX. XXXX again explained who they were and what they were attempting to collect. I explained that I wanted something in writing proving what they were collecting and who it was for. She said that she would let the consumer know I was disputing the collection. I told XXXX I was NOT disputing anything but simply wanted something in writing. She started yelling at me, telling me to pay my bills and to stop taking out loans that I can not afford to pay back. She repeated it over and over. I asked her to stop harassing me. She continued to repeat it. She said that she was going to put that I was disputing the claim even though those specific words never came from my mouth. She said she assumed that I wanted to dispute the claim and that she wasn't going to waste her time sending me anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I was working with XXXX XXXX on an app for surfers and skaters and he wanted to open a credit card to use with XXXX products and services. He said he had credit and to open a business credit card he would use me as a guarantor since I had good credit. He told me that everything would be in his name and I don't have to worry about it. We go to the bank and we sign some documents, he provides some documents with the teller and they step away and they start to speak XXXX. I am told that XXXX would come back for the card and that was that. I received nothing in the mail I received nothing that TD Bank said a credit was open in your name, becuase I was led to believe that the account was opened in his name and he would get all the documents, there was not even a credit card issued for me. While searching for insurance payments on another legal case I decided to go on tdbank to see if I can access my bank accounts. XXXX and behold a maxed out credit with my name with purchases XXXX made ( personal not business ). I contacted XXXX about the maxed credit card and he lied saying that he just purchased a phone with it and everything is in his name. I immediately ended contact with him and proceed to contact the police report this as fraud and contact all 3 credit bureaus. I have made a police complaint on XX/XX/23 but till this day I never got the police report or a detective call me about the case. XXXX is still working on the issue while XXXX and XXXX said it was a joint account and told me to refile once I get a police report. TD Bank fraud would not let me access anything about the account and told me to go to the bank I opened it in. On XX/XX/23 I go there and they said that everything was opened in my name, and refused to provide additional information about other accounts it was tied to or the business entity itself of which I could not find online. They said XXXX was an authorized user. How can it be the primary owner was never issued a card but so called authroized user with bad credit is allowed to XXXX out the card and TD bank does not think anything of it. I am trying to find a lawyer to sue him but the resolution is to move this off my credit part and make XXXX XXXX the one responsible for the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} *XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}

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 2023-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2022-12-26
Company: Experian Information Solutions Inc.
State: MS
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-06-13
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:
In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX Account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I transferred via XXXX  transaction {$900.00} from my personal checking account with XXXX Bank to my online Chime account. For some reason, Chime placed my account in security status and requested several documents from me to prove the validity of the deposit. Over the course of the next XXXX weeks, I called them several times and provided the documents requested on numerous occasions, yet they refused to release the funds or return them to my checking account. 

Eventually, I became tired of the XXXX. they were putting me through so I called my personal bank to dispute the XXXX transaction. XXXX refunded me the {$900.00} and as soon as it was credited back to my account I immediately called and emailed Chime to request they close my account, as per their policy for closing an account. 

It has now been an additional XXXX ( XXXX ) weeks and they still have not closed my account. As a matter of fact, every time I call or send an email, they are still asking me for the documentation they asked me for a month ago. I am totally at my wits end and feel like Chime is deliberately neglecting to honor my request. I have spent over {$100.00} on international calling fees and now have to call all of the credit bureaus to ensure Chime hasn't abused my personal data because I utterly do not trust them. 

I want my account closed and I do not understand why Chime won't even adhere to their own published policy of closing an account upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen has foreclosed on my property with a Strict Foreclosure law day of XX/XX/XXXX in proceedings through XXXX and XXXX when they also stated to me that they have a Hold Foreclosure on my account. It does't make sense. 

I had been working with the Ombudsman 's office and my representative to straighten out a very confusing Modification offer first presented in XX/XX/2018, which included no details of the modification except for the amounts of the first three payments ( and no guarantee of a modification even after paying those ). After requesting this information, in XX/XX/2018, Ocwen finally sent me the details, which I agree to, but they said that the time for accepting the modification had passed and that I could appeal. So I immediately appealed, only to find that they then sent another modification proposal in XX/XX/2018 that was much more expensive ( an additional {$260000.00} ), based on their assumption that the value of my house had risen ( magically ) from {$890000.00} to {>=  $1,000,000} ( in a very much dropping market ). 

I made my representative ( and the Ombusdman office ) aware of what had to have been an egregious error and in XX/XX/XXXX paid for my own Appraisal of my home, which showed the value at {$660000.00} ( emailed to them XX/XX/XXXX ). Working with my Ombudsman, we agreed to " call it '' {$700000.00} since Ocwen said that they had a higher appraisal. They are purportedly working on a modification ( we also spoke of a settlement, but I can not handle a one time payment like that ) all the while I have been to court on three occasions, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX all the while Ocwen states that my account is on a Foreclosure Hold. 

I've reported Ocwen before in a much larger scope of problems ( Complaint XXXX-XXXX  ). I am assuming, and it appears by the CFPB action against Ocwen in XXXX that you've addressed those. Now, it appears I need some rather direct intervention, and I hope you can help " nudge '' Ocwen to honor their Modification process based on this new value of the home ( similar to their XX/XX/XXXX assessment ) - and immediately before XX/XX/XXXX comes and we are out of our home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-20
Company: Experian Information Solutions 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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