BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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: Account information incorrect

Complaint:
. I purchased 2 vehicles using a finance charge transaction, and under 15 USC 1605, the finance charge is the sum of all payments, meaning there can be no late payments. However, the credit bureaus continue to report late payments on my credit report, which is a violation of the law.

I kindly request the CFPB to take appropriate action and delete the accounts below, as they should not be on my credit report Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

Furthermore, according to the FCRA, any information that is inaccurate must be deleted.

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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2021-12-07
Company: Experian Information Solutions Inc.
State: IL
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 have written letters in the past and currently to Experian Consumer Credit reprting agency asking them to remove any and all Public record information from my credit file, that includes bankruptcy information, and they refuse to do so. Their results always come back as updated.

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 2021-12-07
Company: Ingo Money, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I opened a XXXX debit card account. I emailed XXXX a photocopy of my state identification card and IRS tax returns to verify my identity. XXXX reviewed and accepted my documents and mailed my permanent XXXX card. My account is active and in good standing. I downloaded the XXXX App and created an online account. I attempted to mobile deposit a government check ( unemployment insurance ). I endorsed the check and took a clear legible photograph of front and back. I then received a verification error message. It stated Ingo Money Services was unable to verify my identity and to deposit elsewhere. This is egregious for Ingo Money Services. I have already successfully submitted my valid state identification card and IRS tax forms. How are they unable to verify my identity? My ID card is not expired and was approved by XXXX. The name on my check is the same as it appears on my state ID, IRS tax return and XXXX account. I called XXXX to ask why Im unable to deposit my government check. They said I have to contact Ingo Money Services. XXXX indicated they accept unemployment checks. I called Ingo Money Services on Monday, XX/XX/2021 and was on hold for over an hour. Then I spoke to a female representative ( XXXX XXXX ) who was rude and continued to interrupt after I asked her not to. She had an unprofessional tone and continued to interrupt on purpose. She refused to answer my questions. Then after providing my personally identifiable information, she stopped talking and I was on the call without any sound. The phone conversation occurred around XXXX XXXX. PST. The telephone number I called was ( XXXX ) XXXX. I asked the agent to call me back if the call was disconnected. She indicated yes, however, I never received any call back. Essentially, she deliberately lied and was dishonest to the core. This reflect poorly upon Ingo Money Services and XXXX. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims court action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Federal Trade Commission CC : Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See attached documents. Remove this personal information that does not belong to me.

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 2021-06-16
Company: Global Lending Services LLC
State: AZ
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 made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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: Old information reappears or never goes away

Complaint:
Called/ Talked to XXXX XX/XX/XXXX XXXX about outdated late payments reporting on my credit report from XX/XX/XXXX, XX/XX/XXXX 60 days, 90 days, 120 days for account number # XXXX my accounts was in Income Driven Repayment program or unemployment program. I was told by XXXX to call Experian to find out why they are reporting late payments for this period, I disputed these dates and items but Experian was unwilling to remove this negative incorrect infomation from my report. This is hindering me from obtaining credit with this outdated and incorrect information. I am requesting this incorrect information be deleted from my credit report the inaccurated entries follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have been disputing an account with XXXX XXXX XXXX XXXX account number XXXX dated XX/XX/XXXX in the amount {$2300.00} for an apartment complex I never lived, that I request be deleted from my credit report XXXX XXXX is reporting current on my account this was part of bankruptcy XX/XX/XXXX account number # XXXX, I am requesting to be deleted from my credit report I have unauthorized inquiries on my report that I have been requesting be deleted XXXX XXXX XX/XX/XXXX XXXX Co XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2023-10-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
JetBlue Fraud Investigation XXXX On XX/XX/XXXX, I landed in XXXX, XXXX. I went to a furniture store, my car was broken into and my suitcase, bag, and the pouch with a wallet and credit cards were stolen. and cash, I had one XXXX card in my pocket that I thought I would pay for when I entered the store, the thieves shopped at XXXX with all credit cards, ( all credit cards returned all charges to me, including XXXX XXXX, ) the thieves shopped with credit card XXXX for {$950.00}, auto report immediately that evening to XXXX. And to the other credit companies, they also sent me an alert of the card theft, that evening I ordered a plane ticket home and the next morning I returned home to Florida because I don't have credit cards and cash, on XX/XX/XXXX I returned back to XXXX, I made a purchase at XXXX, ( at the same XXXX that the thieves bought. I didn't know the thieves shopped at this store ) I paid {$560.00} before that the cashier tried 7 times with the XXXX card without success I brought XXXX to the card it worked, today on XX/XX/XXXX the bank charged me {$950.00} after that they checked, when they claim that because I bought at XXXX then there is nothing to do. So I do business with them ... that's why they charge me, it's just unbelievable, all the other banks told me I have nothing to worry about and so far everything is in order, but because I bought from XXXX so it doesn't count ... I don't give up on them and they want to receive the the money back.

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 monetary relief
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TRANSUNION AND XXXX  ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling TRANSUNION and XXXX  to remove this inquiry. Also attached is proof these companies are still reporting this inquiry.

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 2021-06-16
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
I got these accounts that does not belong to me ans i want it to be remove. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2023-10-16
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
This mortgage was sold to XXXX, since 2008, we refinanced for lower rate being senior for {$50000.00}. they threaten foreclosure if we didn't sign the attached clause with a balloon mortgage with an outrageous maturity date. We returned it with the crossed out clause. All these years they have only applied {$23.00} towards principal. My husband is a XXXX XXXX and i'm XXXX ... We would like to refinance to payoff credit card. Please help us...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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.

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 2021-06-16
Company: Experian Information Solutions Inc.
State: LA
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 DISPUTED THIS MONTHS AGO AND THEY'RE SAYING IT'S ACCURATE BUT I'VE NEVER BEEN TO COURT IN XXXX XXXX. XXXX XXXX XXXX LA XXXX XXXX NEEDS TO BE REMOVED.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 4th complaint against Transunion. They continue to add fraudulent collection accounts to my credit with dates of XX/XX/XXXX for the debt they should have removed years ago. I have one credit card XXXX XXXX everything else opened XXXX up until now is recycled fraudulent debt. I own my car never financed. The last car I financed was with XXXX XXXX and I paid the car off in full in XXXX. Why is it these credit bureaus are allowed to put unauthorized security freeze on someone's account again and again. The constant requests for documentation that they have had for years is out of control. I am hiring an attorney. Not one company has helped me. My consumer rights have been violated repeatedly and at this point I am owned money for the emotional and mental anguish I have suffered due to being a VICTIM of a data breech and identity theft. I paid {$30.00} to have my credit monitored with Transunion and I can't even see my credit report score. They took my money with no issues. This is out of control. I need help. I was told my security freeze removed which was unauthorized. I will find out today when I try to submit my reports to XXXX XXXX in XXXX XXXX My score is more than likely wrong due to Transunion reporting on fraudulent accounts. I did an affidavit for XXXX XXXX and XXXX XXXX about 4 accounts that were fraud. All 4 were suppose to be removed per their letter.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: SC
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/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my XXXX rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file 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 2023-10-16
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
i have told them to not call my cell job or my spouses job for collections and they called my job any way today XX/XX/23 they also didnt try to help much with reducing payments due to a medical issue i could no longer pay them but the main issue is calling the job when told not to call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Request Exchange on Debts Due to XXXX XXXXXXXX 

To Whim It May Concern : I have been dealing with XXXX XXXX since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, and I am XXXX XXXX XXXX  There is simply no way I could keep a job and support a credit history. So, I respectfully ask that your institution write off permanently the credit card debt that charged off in XXXX XXXX XXXX XXXX 

As you know, in past few years, the citizens of the United States suffered through a deadly pandemic the likes of which our nation has not seen in over one hundred years. Crippling fear and an abundance of caution resulted in government-imposed shutdowns, curfews, and moratoriums, which prevented millions of Americans from working and conducting their business and pushed many thousands of businesses to fire their staff and, endured the indignity of having to close their doors for good. This devastated the economy, drained peoples savings, forced millions of consumers into insolvency, and destroyed their previously good credit ratings. In the post-pandemic, the country has not fared much better. Unable to find workers, a great many of the businesses that managed to cling on by the skin of their teeth and survive the nightmare that was COVID -19, found that perseverance and determination are not enough. Exhausted, demoralized, and out of options, they too had to shutter their businesses and experienced the heartbreak of financial ruin. Unsurprisingly, bankruptcy filings are near an all-time high. 

I would like to work out this matter without any costly litigation or unnecessary protracted court procedures. In lieu of any current long-term indebtedness, I am respectfully asking for a 1099-C Exchange that I believe will benefit all parties involved. This requested 1099-C Exchange will clear the business between the parties, allowing me a fresh start. Any debt that I owe is canceled, forgiven, or discharged, and in this way becomes taxable income to me. Your institution receives a true write-off for a debt that was likely previously deducted in your prior 10-Q SEC filings. A win-win!

Please respond in written form only through the Consumer Financial Protection Bureau ( CFPB ), or directly to my email referenced above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation