BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
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: Account status incorrect

Complaint:
I have challenged the 100 % accurate reporting of account for XXXX XXXX that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations

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 2023-01-18
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to secure my free annual TransUnion credit report from XXXX XXXX XXXX since XX/XX/2019. I also tried to secure it on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time I have received the same message -- TransUnion is experiencing " technical difficulties, '' and I should try back later. I have made my requests at all time so of the day, from early morning to mid-afternoon to lat at night. Given the number of attempts that I made, it is inconceivable that I just happen to be making my requests when TransUnion 's system is down. It would appear that TransUnion is knowingly allowing its system not to operate or is being grossly negligent in maintaining it. In either case, federal law gives individuals the right to get an annual free credit report, and XXXX XXXX XXXX has been established to facilitate this. No credit bureau should be allowed to negate this right by failing to provide and maintain an operation system for accessing one 's credit 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 2018-11-14
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY XXXX,XXXX,XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call Transunion and try to dispute the Bk showing on my credit, mail them a 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: SYNCHRONY FINANCIAL
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:
Called XXXX on XX/XX/2023 to report accounts that were closed over 10 years, requested the account to be removed. On XX/XX/2023 they updated the account for another 10 years which means this closed account will be on my report for a total of 20 years.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Couple months ago I checked my credit report I saw a lot of hard inquiries that Im not authorized I sent over my dispute letter to all the 3 credit bureau after couple weeks they sent me letter letting me know that they wont be able to remove them in my credit and I called all of them to asked why also I asked them to gave me prove with my original signature when I did that they dont have any prove, now Im hiring a lawyer for them to handle my situation. Also I see this information online that I can make a complaint for that. I saw all these inquiries I dont even know the company that did that in my credit 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 2023-09-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX I applied for a pre-approved auto loan through XXXX. The process was entirely online, and was approved fairly quickly. The interest rate appeared to be higher than I expected. When I received a written notification from XXXX, I noticed the credit score was about 50 points low, resulting, I believe, in the higher interest rate. My score on XXXX XX/XX/XXXX across the 3 major credit bureaus ranged from 775-785. The score provided by Experian to XXXX was XXXX. I have talked to both Experian and XXXX three separate times. I will only address the last call with each, but I would like to note that Experian makes it almost impossible to get a live agent on the phone. On the final call to XXXX, I spoke to a resolution specialist named XXXX. He stated that what was provided on their letter was the exact score provided by Experian. When I spoke last to Experian, their supervisor, XXXX, claimed that Experian did not provide a credit score at all, only the credit history data that XXXX then used to generate its own score. I do not find this explanation credible. Obviously one of these two companies has made an error and refuses to admit it. In the meantime, I have a loan I can't use due to the excessive credit terms and a hard inquiry on my credit report for the next two years. Please investigate.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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: In progress
Consumer complaint received 2023-09-01
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account 4 to 5 months ago and had $ XXXX in the account. A {$17000.00} wire transfer was sent and deposited in the account 18 days ago ( XXXX XX/XX/XXXX  ). On XX/XX/XXXX I received a letter stating the account was closed with no reason given. I was also cutoff from seeing the status of my account online. That same day I delivered a letter to the manager of my local bank stating that over {$20000.00} of funds I needed to subsist on were being unjustly withheld and that the {$20.00} charge for the wire transfer was unfair since, due to unjustified impounding funds, I received no benefit. Numerous phone calls to customer service yielded no useful information. The local manager had no explanations, stated that my account had a XXXX balance, and promised to forward my letter to higher management.

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 2023-11-06
Company: EQUIFAX, INC.
State: NY
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX  XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that Equifax, XXXX  and XXXX remove the XXXX  XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XXXX until now, however look at Transunion report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on XXXX  they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories.

I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an amazon chase credit card. My account is locked ( chase.com ). I have been on the phone for almost 3 hours! I have been hung up on, put on hold repeatedly, and each time a representative comes on the phone I start all over. I have been transferred to XXXX twice with an incredible difficultly in being able to understand due to poor connection. After almost 3 hours, I am still on hold and unable to determine if my account has a payment due, if there are fraudulent charges, etc. I am appalled and have no idea how to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX NY keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Portfolio Recovery Associates has been reporting an amount of {$400.00} to XXXX consumer reporting agency claiming that I owe this money. This company has refused to provide any information of a contract with my wet ink signature that shows me doing any business with them. Portfolio Recovery Associates was just fined for their illegal practices XXXX of this year. This company continues to violate my rights as a consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. Portfolio Recovery Services has stolen my identity there has been no written consent to use any of my personal information.18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. This is the law that was written by congress to protect me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Back in 2020 we filed XXXX XXXX XXXXXXXX & we asked to reaffirm our loan with USAA but they said no but could make payments. I have been making payments on my boat loan & since I have no access or any bills ever sent to me I called in XXXX or XXXX to ask if it was current or if needed to do anything & she told me she couldn't see anything & it was fine, nothing else needed from me. Then I started getting calls from some local # but they would not say where they worked. I googled the number last week & found out it was a repo company! I tried contacting them last week & they said I had to speak with the repo department but had no other details to give me. They close early so I was finally able to reach them today & they were no help. She claims they sent a letter to me in XXXX  that I never received as we would've paid it, we do not have money issues so would've paid that day. I read they were required to send a certified letter & this never happened. I work from home so I am always home to get anything. Now they are telling me since I did not respond to this letter I never got they charged it off & I have to pay {$23000.00} or they will not stop the repo. I do not have that kind of money. This has to be illegal? How can they do this without ever contacting us? We will not give them the boat as its worth way more than we owe them. I need answers on what we can legally do. Thank you for the help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation