BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, The personal data reporting is inaccurate. 

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 2023-11-13
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
I sent notice to experian, along with a police report, that my identity was stolen. i requested the items that I noted, be removed from my credit report, because they were fraudulent. These items were not removed, and it took more than 45 days for me to receive a response from 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 2023-11-14
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I am writing to formally dispute a specific entry on my credit report. Under federal regulations, particularly 15 U.S. Code 1681i, credit reporting agencies are mandated to conduct a comprehensive reexamination when there is a dispute concerning the accuracy or completeness of an item on a 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 explanation
Consumer complaint received 2023-09-07
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
To whom it may/will concern, I XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Purchase/obtained at XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX 

Volkswagen Credit was creditor who I was contracted with as Loan Lender. 

I was residing XXXX VA, my primary address at the time of occurrence. I also have a second home in XXXX NY, where my spouse is a XXXX. 
Please note : ****VW credit also has on file - XXXX XXXX XXXX as a second resident I visited every other weekend. Both to be aware and for emergency purposes ****. 

Back in XX/XX/XXXX my car was repossessed In front of XXXX XXXX XXXX, XXXX NY. For non-payment, which I was aware of because I had lost my job at that time. The first time my car was repossessed I paid VW credit almost XXXX XXXX dollars via XXXX XXXX to get my vehicle back, I knew the car was repossessed because it wasnt parked where I parked it at and I didnt owe any tickets on the car. It was repossessed for late/nonpayments. 

Then in XXXX of XXXX, the car was repossessed again in front of XXXX XXXX XXXX. I called VW Credit on XX/XX/XXXX to inquire about my personal belongings and my husband personal belongings that were inside the car and inside my carrier that was on my roof racks. I also need to take my Virginia plates off the car and return them back to the DMV as well as other personal affects, etc.. 

Called Volkswagen credit on XX/XX/XXXX spoke with XXXX and she advised that the only documents that was sent out to me was back in XXXX of XXXX AT MY VIRGINIA ADDRESS.. XXXX from Volkswagen credit provided me with the phone number of the lot where car was located. 
I called the lot and spoke with XXXX and was advised that my personal belongings were disposed on XX/XX/XXXX. 

I since moved back to the XXXX and mail being froward to XXXX address and still nothing from VW credit PLEASE NOTE AS OF TODAY 'S DATE. I HAVE NOT RECEIVED ANY ANY DOUMENTS FROM VW CREDIT REGARDING ANYTHING. PLEASE ALSO NOTE THAT XXXX STATED THAT THE ONLY LETTER SENT OUT WAS BACK IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX was reporting on my credit report and I had a lawyer investigate this company and it's not a real credit card company and it has been removed from my XXXX credit report but not Experian or XXXX Credit report and I do have proof showing it has been removed from my XXXX 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 explanation
Consumer complaint received 2019-01-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX  Chase offered a card with free points offer. Their representative told me the fee for the card would be waved for the 1st year. I went into specifics with their rep on how long i had to keep the card to get the points I was told i could cancel after 6 months and receive the points Much to my surprise Chase billed me a {$95.00} annual fee I disputed this charge ... .and appear LOST in their system They called me and told me they were escalating looking into this Many cards wave 1st year fee. And I was told by Chase this card would as well. It even stated that in their online advertising at the time I applied This is a matter of principle even more than this fee If Chase told me the 1st year fee would NOT be waved, I would never have requested this card Chase obviously shows little concern for their customers. I would do business with other banks before dealing with Chase again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED.

I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Chase for account ending in XXXX. I have no records of signing with my wet signature to authorize the account ending in XXXX. I never received the true invoices signed under penalty of perjury confirming Chase provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Chase for the account i.e. 1099 0ID, 1096, INC, PRC and 1099. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-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. 

THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. 

AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in the process of buying a house I notice that on my trans union accounts from XXXX XXXX XXXX opened XX/XX/2023 in the amount {$3700.00} this account is not mine. I ask this company to verify this debt providing me with a contract I have with them as they can not as I have no account with them. They are violating my right to privacy and flea laws for maintains accurate in formation. Please help me in this matter.

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 2023-11-16
Company: Pacific Rim Alliance Corporation
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company had a false process server and I never received any notice of a court hearing and judgement was filed against me and now they are able to garnish my wages for something I have no knowledge of

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the third time me requesting to have a pin number for all 3 credit bureaus I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

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 2019-04-04
Company: CCS Financial Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I settled an old XXXX account that was in collections with CREDIT COLLECTION SERVICES. The rep XXXX, gave me a confirmation of settlement # XXXX and told me the amount was actually for {$190.00} ( and change ). 
My credit score before this was good and XXXX and my FICO score had been around 723. I found out today by XXXX alert, that my credit score dropped 79 points due to being Flagged by Credit Collections Service on XX/XX/XXXX and again today. Why?! I settled on debt last Friday. 
I first called XXXX  asking and why this is going on and they had no idea. I then called credit collection services and spoke to rep XXXX XXXX about this as he didn't know either why this was happening. I then asked to speak to a supervisor. A XXXX XXXX ( sp ) answered the phone " asking how she could help '' ... why waste more time? I asked if she was told about my situation and she said " yes '' at which point I asked her to please not waste more time then and help me resolve this. She confirmed the payment of settlement was updated the day after I called in which was XX/XX/XXXX. She also didn't know what was reason for my XXXX Credit reporting being flagged by her company. Who does know? Ms. XXXX then asked if I disputed the account and when I told her no, she brought up that I did so in XXXX. So I felt compelled to remind her that this was XXXX and that I was talking about why my account was being flagged in the present. At this point, she said that if I " paid the full amount owned on account that they would report to credit bureaus immediately ''. Really? So again the only solution to problems in this country is paying more and more and more right? I'm not even going to get into what's going on in my family right now but I have to pay for a funeral and I'm not in any state of mind to be on the phone with people that represent these companies. I have to pay for a funeral and I have to pay for my own XXXX in XXXX So I was just about to apply for a loan but this collection agency is flagging my credit to the point which it drops 79 points in two days after I pay my that something is wrong here and I would like to  know why. I just spoke to my friend who managed a marketing dept at XXXX XXXX for 7 years and he was appalled and told me to do this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number  : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it 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 2018-03-31
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I paid my loan off in full over the phone with my debit card to the online loan company, Big Picture Loans. The amount debited my account successfully and no refunds of the amount were ever made back to my account. Then, on XX/XX/XXXX, I began receiving phone calls and texts from Big Picture Loans stating that the amount was never debited and that the amount had actually been credited back by the lender. In an attempt to resolve this, I contacted Big Picture Loans and asked the representative to initiate a 3-way call to my bank to verify that the amount had in fact been debited. This occurred on XX/XX/XXXX and the XXXX XXXX XXXX representative was able to successfully verify that the amount owed to Big Picture Loans had been successfully debited on XX/XX/XXXX and that no refunds in that amount had been processed back to my account between the dates of XX/XX/XXXX and XX/XX/XXXX, from any entity. The representative refused to believe that this information was accurate but stated that they would look into the matter further. Since then, the company has attempted to contact me multiple times via telephone and text in an attempt to collect the amount that they say is owed, despite having evidence that no debt exists, per XXXX XXXX XXXX. I repeatedly asked the representative to send me this information in writing but was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been complaining about this exact issue since XX/XX/XXXX  with no valid proof received for the method of verification by the credit reporting agencies. The last contact I had with Credit Collection Service is a vague list of random transactions with no descriptions, no proof of my ownership of the said debt and no evidence of my wet signature or anything indicating what or who these charges were made for. I dont know who authorized these charges or what exactly the charges were for. 

They continue negatively reporting for a debt collection that they clearly dont actually own or know about since no valid proof has been provided to me despite my efforts to receive this information. Im asking for valid undeniable evidence on what this debt was authorized for and by whom.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They sent me a letter i received with the date of XX/XX/2018 and i received it on XX/XX/2018. On the letter stated I needed to contact them within 30 days but even through I debt via mail the same day they continued to collect. The same day I sent a letter via certified mail with return receipt stating that the debt doesn't belong to me and I advised that they not continue collecting. The debt collector never sent me validation of debt and I'm now seeking litigation for them violating the FDCPA subject to XXXX. If this debt isn't removed with 5 days, I will be seeking damages through XXXX courts for not only this collector but the other collector who they brought this debt from. Stop violating the FDCPA rules and do things the correct way. Now litigation is being seeked. You have 5 days to remove from my report, even after you violated my rights to dispute with 30 days. You collector really don't care. People aren't going to pay on debts they don't owe. I've been harassed even after I asked you not to, I had enough. Again stop trying to collect on an accounts that doesn't belong to a person. original letters will be shown at court.

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