BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
THE FOLLOWING INQUIRES AND COLLECTIONS ARE REPORTING FRAUDULENTLY ON MY CREDIT REPORT FROM TRANSUNION, XXXX, XXXX AND OTHER THIRD PARTY CREDIT REPORTING COMPANIES ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-13
Company: Experian Information Solutions Inc.
State: AL
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 initiated a dispute with Experian because my XXXX Bank  Mortgage account, because it had been erroneously reported 30 days late for the month of XX/XX/XXXX. Experian subsequently corrected the account status for XX/XX/XXXX, but changed my account history for the months of XX/XX/XXXX thru XX/XX/XXXX to late from 60 up to 180 days past due which is erroneous reporting. 

To corrected this : ( 1 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 2 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 3 ) XX/XX/XXXX, I initiated a dispute by calling Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours via there website saying my account status was " updated '' but it was not corrected. 

( 4 ) XX/XX/XXXX, I mailed via certified letter ( I will attach copy ) a dispute to Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. On XX/XX/XXXX, Experian provided dispute results via there website saying my account status was " updated '' but it was not corrected. 
I tried to initiated another online dispute on XX/XX/XXXX but the website would not allow it because it has been disputed before. 
Not only is Experian reporting incorrectly, I'm positive that they never did a proper investigation.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!

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 2022-11-14
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company ALDOUS AND ASSOCIATES , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ALDOUS AND ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Paypal Holdings, Inc
State: FL
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:
ON XX/XX/20 MY DEBIT CARD WAS CHARGED {$63.00} FROM PAYPAL FOR SOMETHING THAT I NEVER ORDERED OR RECEIVED. XXXX GOT MY COMPLAINT SENT IT TO PAYPAL I RECEIVED A CALL FROM PAYPAL ON XX/XX/20 A PERSON NAMED XXXX EMPLOYEE NUMBER XXXX HE TOLD ME MY CHECKING ACCOUNT ENDING WITH XXXX WOULD BE REIMBURSED WITHIN TWO WEEKS. NOW IT IS XX/XX/20 I HAVE NEVER BEEN REIMBURSED. I REPORTED IT TO THE XXXX  THEY CLOSED THE CASE NUMBER XXXX. I ALSO COMPLAINED TOBUSINESS XXXX XXXX THEY INVESTIGATED MY COMPLAINT AND CLOSED THAT COMPLAINT WHEN I SPOKE TO THEM THEY TOLD ME TO MAKE A COMPLAINT WITH YOU. THE END RESULT I WANT PAYPAL TO REMIBURSE MY {$63.00} I HOPE YOU CAN SOLVE THIS PROBLEM. THANKING YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Thunderbird Collection Specialists, Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Complaint : I'm complaining against Experian. They are an impossible company to communicate with when there is an issue. I've tried contacting them for two days ( 8.1 and 8.2 ) and there is only an automated phone service with very few options available that don't match my needs. Background : A few days ago I applied for a credit card and was stunned that I was not approved. I have a good credit score and have always been responsible with my credit. I also make good money. I started getting nervous because my information was part of the XXXX XXXX breach of 100,000 customers and I was part of the Experian breach recently, too. I'm worried that fraudulent activity had occurred with my information. I found out that a credit card I applied for used Experian as their agency to check my credit status and decide whether to give me a credit account or not. So, I went directly to the Experian website to sign up for {$1.00} credit report. I tried about 8 different times to create an account and buy my report. ( I'm terrified of identify theft! ). However, each time I filled out information, the system failed and screen popped up that said, " We are unable to verify your identity. '' Therefore, I couldn't access my report. How can this be? I entered my Social Security number, my address, my credit card info to buy the report, and they can't identify me? What more do they want? Then, I was really paranoid of ID theft. So, now, I can't speak to anyone about my current credit report from an agency that manages my credit report to see IF THERE'S FRAUD?!! This makes no sense.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXi got a letterbf said date saying my XXXX  XXXX XXXX due to globle warning the chip is in default .i called XXXX dealership .explained .made an appointment .said ( ( WE CAN TRADE YOU ANOTHER CAR IF ON LOT SAME YR.BUT DIFF.MODEL .UR PAYMENTS AN BALANCE WILL BE TRANSFERED OVER ) ) i get to my appoint .young lady said we just need to do a follow up .can i open my XXXX  credit report..45mins later she comes back saying YOU DID NOT QUALIFY FOR FINANCE FOR A NEW.VEC..i never ask for. A new. Car nor fanince..days later in my credit report HARD INQUIRES .with XXXX XXXX all fall under different names.i emailed 3 latters to XXXX ..no respons

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 2022-03-01
Company: Receivables Management Corporation
State: SC
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 completed a dispute on an account on my consumer report about a paid collection that remains on my consumer report. I contacted XXXX, XXXX as well as XXXX telling them I want to dispute this XXXX XXXX on my account. The account that I disputed is RMC ( XXXXeceivables management corp ) from XXXX health XXXX. I also sent in a letter showing proof that the collection agency initially agreed to do a pay to delete. XXXX and XXXX keeps telling me the account is accurate and set to stay on MY consumer report for 7 years. I even sent them the initial letter showing where this account was supposed to be deleted. The only one that did the right thing and removed this account from my consumer report was XXXX. I contacted the collections agency also and this account remains on my account even after it was paid for deletion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX {$250.00XXXX XXXX XXXX account years old was paid off and closed the bureau is refusing to take it off violating my consumer rights by posting it on my credit profile without my permission which has had a negative effect on my life, its making it hard for me to any kinds of credit cards etc XX/XX/XXXX {$500.00} account is years old was also paid off and closed out contacted the company was informed that I needed to contact the correct bureaus they weren't aware that it was showing ob my report I called XXXX and informed them and also let them know they were in violation of my privacy by posting on my credit profile and they are also in violation of U.S.15 01/31.2022 {$170.00} I informed XXXX that I was a victim of identity theft and asked for proof of validation and also informed them they were in violation of my consumer rights by posting on my credit without my permission and due to this they had caused me severe hardship I have a tough time with getting cars a place to stay etc because of this is on my profile they are all in violation of FDCPA 807, misleading false reporting and more my next step will be to bring litigation against XXXX if not removed all bureaus has also placed inquiries on my report without my permission or verifying also has inquiries on my reports that I do not know about as I have said I was a victim of identity theft all three bureaus are in violation of my rights and are breaking the law they need to be held accountable or go to jail for the laws they are breaking {$3700.00} XX/XX/XXXX account was paid off as soon as they took my car therefore I owe no debt and they are in violation of law 15 US code 1681a and also law FDCPA section 807 XXXX {$520.00} is in violation of my privacy that account was paid and closed off they are still showing it on my credit as late payments which has also affected me I get denied for things because they see what was posted on my profile my next step is litigation if not removed right away XX/XX/XXXX {$1400.00} I no longer owe any debt to that company when they sold my file I am not responsible for that debt and I informed experain they were in violation of my consumer rights for privacy and did not get my permission per law FDCPA 807 I asked the company to remove it all but they refused my next step is to file a suit for violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had an American express gold card ending in XXXX as was told to me. However, I filed for ch XXXX in 2011 as my card was cancelled. Lately I have been trying to anew my credit but was advised by amex gold card  that I have a XXXX balance and that I have 2 more authorized users who's balances are line in the XXXX. First of all I am in Mississippi and I would doubt that I would have accrued XXXX in debt and to add 2 XXXX  names to my card is absurd. I request for this issue to be resolved and for my name to be taken off the amex black list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: DLC, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So Ive tried to dispute these accounts that show on my credit report and wasnt able to get this situation resolved. These accounts where opened with out my knowledge and i believe they should be taken off my credit! My identity was stolen when I lost or miss placed my wallet and my social security card was in it as well as debit cards and picture Drives license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Credit card company : Chase Freedom Fact Act XXXX XXXX XXXX XXXX, DE XXXX The primary credit card holder, XXXX XXXX XXXX XXXX passed away on XX/XX/XXXX. The credit card company, Chase Freedom, was provided a certified copy of the death certificate and a request was made to close the account. A dispute was also raised over the $ XXXX balance for various unauthorised monthly charges by The XXXX XXXX and charity organizations. The deceased had previously suffered a XXXX in XXXX so vulnerable to credit card fraud. Instead of closing the account, Chase Freedom proceeded to transfer the account balance and name to the authorized user XXXX XXXX XXXX, the primary card holders surviving spouse. She never applied for this credit card nor had a physical card or used this card. Several complaint calls have been made and a letter was sent to Chase Freedom on XX/XX/XXXX requesting documentation that XXXX XXXX XXXX applied for this credit card which they could not provide. Please help resolve this issue as the credit card balance continues to grow from fraudulent charges and interest which is affecting XXXX XXXX XXXX credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-14
Company: Self Financial 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:
If, after any reinvestigation Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file or the consumer or modify that item of information as appropriate on the results investigation.

Company response to consumer: Closed with explanation