BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested an investigation regarding XXXX inquiry on my credit file that is being reported erroneously. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose.

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 2022-01-28
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received letter today asking me to ID myself so a credit card could be issued ( Verizon CC ). I did not apply for such a card. The Banks address and phone number on the letter appear to be phony. My XXXX Report shows " Soft Inquiries '' about a Verizon CC.

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 2022-04-18
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company refuses to let us into a hardship program, all while violating our rights. 

Because of XXXX and the microchip shortage, I was forced to leave my position as it was costing me money to work. Throw in my grandmother is in hospice care. Which me and my wife do provide her money to pay for rent, and other services related to her needs as POA for her, its been a huge financial burden. 

Weve been trying for the past year and a half to get this handled with Aqua Finance, but they said we have to let our account go Delinquent before they would provide assistance. 

How is that going to help our situation? It will make exponentially worse in the long run, we asked for a Financial hardship, they said after reviewing our current income that we cant be helped. 

How can that be the case? Were struggling to pay for a WATER SOFTENER when my grandmothers meds are way more important then some scummy Finance company getting its money. 

They keep asking for detailed records of our Finances and other things that are well without the scope of normal. 

This is the only Finance company that has refused to help us, even XXXX XXXX was able to get my Apr reduced and a monthly payment that fit our needs. 

This company doesnt deserve to be in business when they could care less about destroying a familys financial situation over a water softener.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-07-11
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-05-15
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown account on my credit report. There are multiple errors shown in my report. Please verify that this account is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
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 submitted my dispute to Experian ( agency ) on XX/XX/XXXX, to remove a error from my report. Later after receiving an letter of admission of fault from XXXX ( company ) in dispute, I sent to the agency as additional support on XXXX of XXXX. After contacting the company yesterday they stated they never received any investigation inquiry from the agency! So I then contacted the agency on XX/XX/XXXX, to inquire to my investion status. The agency stated that they have the right to restart my investigation from XX/XX/XXXX, since I submitted a support evidence. 

2000 US Code Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES Sec. 1681i - Procedure in case of disputed accuracy.

According to 1681i : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information or, delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

I hereby hold Experian in direct violation to federal!

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 2021-01-28
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-01-31
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
This complaint for TESLA account number : XXXX XXXX XXXX XXXX XXXX, CA XXXX Operations XXXX : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX buy back my car after big fight and failure in the car, I also file complain about them with consumer protection bureau and cfbp in the past, I surrender the car on XX/XX/XXXX XXXX and its been more than a month, I still didnt get paid and they didnt pay off my loan which is finance by Tesla as well , I am still getting notification to make payment also Im receiving certified mail to my door warning me to make a payment or they take legal action against me, my credit been ruined for late payment. every time I call they giving me the same excuse, they put me financial hardship, I couldnt buy a car right now because they hold my money also they ruined my credit. 
Ive been renting cars and paying from my pocket all this time. 
This is unacceptable and bbb & cfbp need to take action for the neglect and compensate me for this behavior please contact them and find me solution for this matter so they can send me my money and pay off the loan. 

best regard XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a direct deposit of my paycheck into my PayPal account. PayPal closed and froze access to my funds even after I sent in documentation and proof of my identity. PayPal is still holding this money and it has been over a year. My email on file with them is XXXX. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Equifax is reporting and unverified medical debt on my consumer eport this debt has never been verified I have no idea were it came from and there is no information on my consumer report about this debt. It is showing up as collections but it has not been verified. This is violation of 15 USC 1681 fairness and accuracy of credit reporting. 
Due to this inaccuracy I have been denied credit and my right to privacy has been violated. Also The cfpb states that all medical debt under XXXX $ would not be furnished on consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: CO
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. 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 XXXXXXXX # 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 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 IN accordance with the Fair Credit Reporting act 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 a account without my written instruction.

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 2022-04-18
Company: EQUIFAX, INC.
State: PA
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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Dear Experian In reviewing my credit report from Experian, I found unauthorized accounts. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX ACCOUNT NUMBER XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of 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. ( i ) promptly delete

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 2021-11-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is in reference to an original complaint in which Chase ( in my opinion ) fraudulently pulled a credit report and sent me an active card which required me to spend hours on the phone trying to get resolved and ultimately got addressed through a prior complaint. As a result of Chase trying to resolve the initial complaint ( XXXX ) which was being addressed by XXXX of the executive department of Chase they closed down my account access to my car loan. I took out a loan when I purchased a XXXX vehicle which was apparently financed by Chase. As they closed the credit card I did not apply for they are preventing me from accessing online and making my payment for my car. I informed XXXX of this on XX/XX/XXXX at which time she said she was not sure how this would be corrected but would check and get back with me. By XX/XX/XXXX I still had not heard of XXXX and so made another call and left a message. As of the date and time of this complaint I still have not heard from her and with a payment due on my car I'm facing a potential late charge. I have spent hours on the phone trying to get all of this resolved with Chase employees who have generally been useless and actually created new problems. If Chase is going to prevent me from making a payment they should waive all due amounts, or allow me to make my car payment which as always been made prior to the due date and never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft since XX/XX/XXXX. Checking account and saving account was not impacted by this. Individual took out personal loan and opened bank credit card in my name. I have been alerted of multiple inquiries that individual has attempted to take out additional loans in my name.

I've taken all necessary actions best to my knowledge to have this resolved. I reported identity theft though the 3 credit bureaus, IdentityTheft.gov, ssa.gov, and my local police station. I froze my credit with the 3 bureaus, closed my bank accounts and created new. 

Here are details of the accounts opened fraudulently : XX/XX/XXXX Account Balance {$9100.00} Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX OH, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud dispute on this account XX/XX/XXXX through XXXX. A dispute was filed through XXXX XXXX on XX/XX/XXXX. After investigation, XXXX concluded that I am not responsible for this dispute balance amount on XXXX XXXX. Complete and notified on XX/XX/XXXX. 


New Inquiry XX/XX/XXXX / New account XX/XX/XXXX Account Balance {$9600.00} Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Creditor Name XXXX XXXX XXXX XXXX  Industry Type Personal Loans Companies I filed a dispute through XXXX XXXX for this account XX/XX/XXXX with no update. I filed a second dispute through XXXX XXXX on XX/XX/XXXX that was submitted to TransUnion. on XX/XX/XXXX I received results that the dispute information was verified as accurate and Transunion did not change my information. This is the last and final dispute that has not been resolved. This account is significantly impacting my credit score negatively. 

I am XXXX XXXX XXXX and have never owned a credit card. The only loans I have are XXXX loans. I am recently XXXX and me and my husband are not able to purchase our first home because of this. In addition, I am unable to get my first credit card to improve my credit score since I do not qualify.

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 2023-03-29
Company: Experian Information Solutions 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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