BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 Balance : {$79.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AV XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of 2019, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I bought a car with a dealership and the loan was accepted to Capital one Auto finance. I have paid the account current as of today XXXX XXXX. 

On XX/XX/2019 i received a credit alert that a loan was paid off by XXXX XXXX. I looked at the account and it stated that the account was paid in full on one credit reporting agency, and on the other credit reporting agencies it stated that the account was closed and charged off and included in a chapter XXXX or XXXX bankruptcy. Add this case I have been paying on the car ever since and capital one speaking to an agent states that the account is not under bankruptcy in fact is it open active and current today I have letters from capital one for our mortgage or broker Stating that the account is active and current at this time. Since XXXX I have disputed this account 97 times I also hired a credit repair consulting corporation to handle the situation capital one has refused to give me a letter that states it is not under bankruptcy but only will give me a letter stating that it is active and open and is currently being paid on. I have spent three days on the phone my mortgage broker had to be on three-way to find out why they are not allowing it because now my approval will not be going through because of this the capital one has done to my credit. They have destroyed it and ever getting a home loan. 

They refuse to fix it at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: SYNCHRONY FINANCIAL
State: MI
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:
I went to a location to get my car serviced, I was told my car needed major repairs. I was then given an extended line of credit. 
I believe my car did not need all the repairs they claimed it needed. I also believe they only did the repairs due to the credit they offered me. 
I was never shown any defective parts. Currently my car is not running and my engine is not working. 
I want them to stop demanding money from me and stop reporting this on my credit.

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 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
I am writing to acknowledge receipt of your recent letter dated XXXX XXXX for XXXX XXXX  Account number XXXX, in which you have stated that you have verified and validated the late payment that was previously disputed by me. 
I appreciate your prompt response to my dispute, however, I would like to request that you provide me with the PROOF and documentation that was used to verify and validate the late payment. As a consumer, I have a right to receive this information under the Fair Credit Reporting Act. 
I would also like to bring to your attention that the late payments that have been reported on my credit report are in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies.

Given that the late payments have been reported in error, I would like to request that you take immediate action to correct the information on my credit report and remove the late payment from my account. I expect a prompt response to this request, as well as a confirmation that the late payment has been removed from my credit report.

Thank you for your attention to 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 explanation
Consumer complaint received 2023-07-18
Company: Monarch Recovery Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received calls from Monarch Recovery. At first, I would receive a message for XXXX ( unknown last name ) trying to collect a debt. This occured last year. I would receive a message now and then. I decided to block the number. Can not recall the number. I started receiving a number from Monarch Recovery on this caller ID XXXX. It will just ring and no one would be on the other line or the line would disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On or around XX/XX/XXXX I requested that transunion, XXXX and XXXX correct the erroneous demographics on my credit report, namely wrong address and names. I received an email that this information had been removed but upon checking, today XXXX the information still stands uncorrected as follows. 
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 These addresses and names ha e no connection to me and need to be removed according to the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
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:
Equifax experienced a data breach in XX/XX/2017. This breach compromised my personal private information. I have NEVER given Equifax Expressed or Written permission to report or obtain ANY information about my consumer. 
Since the breach, Multiple attempts have been made to open bank accounts and credit cards using my information without my consent aka identity theft. It has led to my detriment, injury, and harm to my consumer rights. 
This breach has also compromised the integrity and accuracy of my consumer report impacting my financial health and my ability to obtain additional credit. 
Equifax has negligently violated the FCRA, Gramm-Leach-Bliley Act, and my rights to privacy. 
This has caused me undue stress, financial loss, and injury. 

VIOLATIONS : 602-15 U.S.C. 1681. Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was reached out to on a freelance modeling website XXXX about an opportunity to collaborate with XXXX XXXX and XXXX  for a photoshoot with XXXX XXXX My contact is using the name XXXX XXXX XXXX the name of the company president. They sent me what I believe to be a fake check for {$3500.00} on XX/XX/XXXX, and had me send XXXX to XXXX XXXX XXXXXXXX XXXX through XXXX on XX/XX/XXXX and XXXX to XXXX XXXX XXXX through XXXX on XX/XX/XXXX - these people were said to be " supervisors '' for the photo test shoot with XXXX. 

I reached out to the verified XXXX XXXX XXXX on XX/XX/XXXX and they confirmed the email address I've been speaking with is not one of their official addresses. The email for the scammer is XXXX. For my own " identity verification '' I sent them my SSN, front and back of my drivers license, my cell number, and my mailing address. 

They also offered me a fake contract to sign on XX/XX/XXXX which is when I stopped responding immediately to their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.

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 2021-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.

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 2023-09-06
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: Comerica
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Good Afternoon, My name is : XXXX XXXX XXXX I am the legal and authorized representative payee for my son, XXXX XXXX XXXX. I have been using-Direct Express issued by : Comerica Bank . 
On Saturday, XXXX, XXXX, 2023 ; I was attempting to pay my son-telephone bill- Metro and the card number security code was not being accepted. I could not understand ; as I have paid with this card many times.

Inadvertently, when I called to get an account balance from, Direct Express ; I was switched to card services.

They informed me that card was blocked. I was advised of the documents that would be needed to unblock card. 
I faxed documents that were determined received ; but too dark. I then was advised of their email address : XXXX. I sent ten ( 10 ) email with copies of the documents front and back. I forwarded XXXX-State of Maryland, actual ssn card, address correction card and physical government employee ID from XXXX XXXX Government XXXX I was then advised on tenth try that ID were approved ; but birth certificate was still needed. All documents forwarded were received because of presentation of my birth certificate. 
Never the less, I had to obtain an appointment- XXXX/XXXX/2023 @ XXXX XXXX. I also went to Social Security Administration to report that I could not access funds. They contacted Direct Express and card is still block. 
My ticket numbers are : XXXX and XXXX. This willful refusal to unblock my sons benefits has created a severe hardship and exploitation of the a XXXX and vulnerable person. I can not even get my son medication and monthly expenses must be paid. 
In closing, this is a request for a full investigation as to the practices this company has and the willful neglect and financial exploitation that has been continuing with still no access to the benefits ( as I write this ). They never requested any of the verification when account was opened. They did not request my phone number or suggest and request my email and telephone number. They simply requested a PIN number to receive monetary government issued benefits. 
In closing, hopefully this company illegal practices will be brought to light and exposure to warn others and government officials of banking, and financial institutions and markets. 

Searching for Justice, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief