BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
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:
The company, Experian, refused to follow laws set up by the government. Experian says that the information, that does not belong to me, can be verified, but refuses to send the supporting documents to support this claim. This is a request to see the " wet signature '' along with supporting documents to place this infomation on my credit report. By law, Experian must send the customer a copy of the documents used to verify this claim as true. Experian has yet to send any documents to me violating the laws to protect consumers.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Both XXXX and Transunion are in violation of the FCRA section 609, advising that verifiable proof must be provided when requested if consumer is disputing the accuracy of information listed. I have sent several disputes the latest being sent XX/XX/XXXX via certified mail asking them to abide by the laws and show proof of a Chapter XXXX Bankruptcy listed. I sent in proof from the XXXX Georgia Bankruptcy court that they do not provide any information or verification to any credit bureaus. I also contacted XXXX XXXX and confirmed there is a freeze currently in place that prevents ANY third party from obtaining any credit or financial information, including public records. The notice I received from bothXXXX and Transunion on XX/XX/XXXX states that they verified this information with Lexis nexis and that is not true ( see screenshots from Lexis nexis ).

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 2020-06-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello, I opened a Dispute with Equifax and XXXX credit bureaus about 2 collection accounts reporting the same collection item on my credit. I was wanting them to verify heat to account and get an understanding of how two collection agencies ( 1.XXXX XXXX acct # XXXX 2.XXXX XXXX account # XXXX ) can be reporting and looking to collect on this item. This is double jeopardy according to the Fair Credit Reporting Act and these accounts are supposed to be deleted. It's been over 30 days and I have not received a response from the credit bureau at all. I am asking the cfpb to step in and help me get an understanding of how 2 collection agencies can report the same item on my credit report and according to the Fair Credit Reporting Act after 30 days both are supposed to be deleted, and they are supposed to be deleted because this is double jeopardy. Please help me with this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-29
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX erroneously charged my XXXX credit card {$80.00} when I moved to another state over XXXX years ago. I disputed this charge and XXXX ruled in my favor. XXXX XXXX ID : XXXX. XXXX then turned this matter over to a collection agency which, in turn, submitted a negative report to the three credit bureaus. Apparently, XXXX is willing to ruin someones credit for {$80.00} -- even when they are in the wrong. Consumers are then required to spend hours of uncompensated time dealing with credit bureaus in order to clear their record.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: GA
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 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 : XXXX XXXX Account Number : XXXX 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 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 2020-06-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated from XXXX  school in XX/XX/XXXX and consolidated my federal loans through XXXX XXXX XXXX My loans were sold once to XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) and then to Fed Loan Servicing Center ( XXXX ) where my loan is currently. Per Fed Loan Servicing calculations for the loan forgiveness program, I am missing 24 payments between XX/XX/XXXX-XX/XX/XXXX. I am unable to contact or verify payments with XXXX XXXX XXXX because this company dissolved/went out of business. I was never notified about this company closing or I would have requested copies of all of my documents. I have tried contacting Federal Student Aid but even their support services were unable to direct me on who to call or contact about this matter. This is unacceptable and I, as a consumer, should not be held accountable for the mishandling of student loans when I have never missed a payment, been delinquent, or defaulted in any loan I have ever held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this 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 2023-09-06
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
My original car loan was with us auto sales. Loan was reassigned without my knowledge. Westlake financial service who is the company that my loan was transferred to repossessed the vehicle on XX/XX/XXXX stating I havent made a payment since XXXX. I was still making payments to us auto sales at that time and now have no way of tracking that information because the company websites have all be deactivated. I made a payment to release the vehicle on XX/XX/XXXX. I still havent been able to retrieve my car. I was given information to a company called XXXX  to retrieve my vehicle. I have been trying to reach someone since XX/XX/XXXX and have yet to be able to reach by either phone or email regarding picking up my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So for my comedy business XXXX  XXXX and XXXX XXXX XXXX so its XXXX from XXXX  XXXX and XXXX and I want my money Ive called sent messages and Ive called and its her over a year I want my money already

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TD BANK US HOLDING COMPANY
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:
I set up a new credit line at the I purchased a television through XXXX. The full purchase prices was charged to the account at the time of the original order. When the TV was delivered it was damaged in shipping. I requested a return from XXXX and they had the TV shipped back to them. After receiving the return, XXXX refunded the original purchase to my TD Bank credit line. This took 3 to 4 weeks to complete. I then ordered a replacement TV. During this time, TD bank was reflecting payments due on my credit line even though the TV had been returned to XXXX. They assessed late charges and showed my account past due. I contacted them after receiving a statement saying I was past due. After speaking to them on the phone, they agreed that they would waive any late charges and ensure that no late payments were reported on my credit. The late charges were waived however they have reported delinquency on my credit and are refusing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX ; XXXX Date of Inquiry : 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 2020-06-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
For online banking there is often a verification. The options are to contact via telephone or email. The problem is that there is additional contact information which should not be on this account. This information does not show up in the account information, but only during verification procedures. 

Therefore, the card company is mismanaging their data. Mismanaged data is inherently insecure. 

I've called in repeatably on this issue. Most recently on hold a ridiculous amount of time. They do not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have called, and disputed with XXXX, XXXX, and transunion on several occasions about transactions being listed on my credit report and they are still showing transactions between myself and the accounts I may or may not hold that they are reporting and they are still violating my rights according to 15 U.S. Code 1681a which states ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : {$470.00}, XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9800.00}

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 2023-09-08
Company: ACIMA CREDIT, LLC
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:
My credit report is showing late payments to ACIMA DIGITAL FKA SIMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ACIMA DIGITAL 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was sold on the offer of 0 % apr promo, and never received any emails or mail statements. Right after I was diagnosed with XXXX and was hospitalized for most of the time, After 3 months when I called the credit card company to find my status. I realized that I have not been making payments, since I was under the impression that I was on autopay as with all my cards the minimum would be automatically deducted from my account and Id be able yo utilized the promo. With out paying any interest. But not only the charged interest each month, they also reported me as a late payment to credit bureaus, tarnishing my credit for the first time in my life and at a time that could really hurt me financially since I needed to refinance my mortgage. After many aggravating phone calls with the managers they refuse to do anything to remedy the situation or reverse the fees and interest charges that were applied which should have never been applied since I was sold on the idea of zero APR. 
At the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnishedat the end I paid everything in full and yet they still charge me fees and interest some ridiculous excuse even when the account was totally paid in full and I shouldve close the account but yet I kept it open hoping they would reverse all the wrongdoings and they would fix my tarnish credit report. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and Advertizing all their clients to sign up with them. I feel that this company it is setting a bad image for one of my favorite companies in the world Home Depot which I trust and now I question them for doing business with this Citibank credit card company and advertising all their clients to sign up with themAt the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried. At the end they would not do anything to help or reverse anything to help the situation therefore I close my account and all my accounts with Home Depot which for three different credit cards and I paid everything in full and Im still worried

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX BANK XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. 

XXXX XXXX XXXX was advised of this filing in writing and still refused to remove this information from our reports. 

By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.

Company response to consumer: Closed with explanation