BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX XXXX # XXXX - IDENTITY THEFT POSSIBLEXXXX # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT 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 of 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 non-monetary relief
Consumer complaint received 2019-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file 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 2021-04-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX - XXXX ; COLORADO XXXX AND XXXX  - XXXX ; COLORADO XXXX AND XXXX - XXXX ; and XXXX XXXX  - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11
Company: GOLDMAN SACHS BANK USA
State: VA
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 have contacted the goldmansachs on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to XXXX   ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg XXXX and both times they maintained my balance was {$2400.00} but when I spoke with goldmansachs they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX according to XXXX a goldmansachs specialist, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient should have set my student loans to 0 % interest starting XX/XX/2020 until XX/XX/2020, to comply with the CARES Act. However, Navient did not set my loans to 0 % interest and interest is still accruing. Federal official website shows that my loans should be set at 0 % interest. I have attached information from Navient and Federal Student Aid to document. I tried calling Navient but was never able to get through and also sent them an e-mail to which I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid 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:
This involves Chase. My card were stolen, I reported this to Chase, local police and state AG office and elder abuse. I closed this account but they sent replacement cards. Fraudulent charges began XX/XX/XXXX ( I am hopefully attaching statements ). From that date XX/XX/XXXX until at least XXXX all charges were not mine. Chase said they investigated and that " the transactions are correct '' I have not received any documents from that investigation. I was XXXX in the hospital twice in XXXX and twice in XXXX returning home XX/XX/XXXX I could not have used the card while in the hospital. 
Chase maintains I owe XXXX all fraudulent. Payment history for years is on time and in full. 
From XX/XX/XXXX forward these charges are not mine ( except XXXX XXXX   my phone provider which is direct bill and cost less than XXXX per month times XXXX, XXXX, XXXX. 
Would like to resolve this I have spoken to a number of RepsXXXX and Managers ( most names I have ) and have spent hours trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX XXXX 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 of 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 non-monetary relief
Consumer complaint received 2018-10-10
Company: ENOVA INTERNATIONAL, INC.
State: CA
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 received a credit report from XXXX and I don't agree with the current findings. 

NOTES FROM REPORT : Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; TRANSFERRED TO ANOTHER OFFICE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from the credit bureaus.

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 2020-04-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
The XXXX XXXX XXXX student loans showing on my credit report should not be there please correct the information and remove the account from my 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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, XXXX  account number XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. states, A consumer reporting agency can not furnish a report without the written instructions or concern from the consumer ( myself ). 

Trans Union and XXXX have violated my rights by furnishing my credit file with inaccurate information regarding account XXXX XXXX XXXX. I have verified that Discount does not exist with the listed lender or creditor. This account is fraudulent. I have disputed it several times in the past and it only comes back updated. I deserve the right to an accurate credit file. I have provided proof and documentation of an accuracies that violate my rights. Please remove this in accurate information 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 non-monetary relief
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The XXXX XXXX XXXX student loans showing on my credit report should not be there please correct the information and remove the account from my 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 2020-04-11
Company: JPMORGAN CHASE & CO.
State: SC
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:
On XX/XX/2020, i made a payment of {$4700.00} to the credit card with XXXX   balance, resulting in a credit balance on the card. 

I requested this balance refunded to me. Chase agent told me they submitted a request, but the payment was never sent out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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:
I NEED YOU TO ATTEND THE FOLLOWING SHOWING ITEMS IN MY LETTER WHICH CONTAINS DATA TAKEN DIRECTLY FROM MY CREDIT REPORT WHICH YOU HAVE PROVIDED PLEASE DELETE THE BELOW LATE PAYMENT YOU ARE SHOWING ON MY REPORT ACCORDING TO THE CONSUMER RIGHTS YOUR ARE VIOLATING MY RIGHTS. 15.U.S CODE 1666 - CORRECTION OF BILLING ERRORS RIGHTS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORT. 


ACCOUNT NAME : XXXXXXXX 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 2019-03-17
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They have three collections on my credit report that are not my accounts as I have been a victim of Identity theft and have filed a report and have my ftc report. They refuse to remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2021-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Cash App has ABUSED, taken advantage of AND HAVE COMMITTED FRAUD on my intellectual property rights on my negotiable instrument. Once I entered my application with CASH APP they have been infringing on my intellectual property and have been profiting off my social security number which is a FEDERAL CRIME. While using the banking app CASH APP which is operated under XXXX XXXX which was opened with my social security number ; Account ending in XXXX. Pursuant to 15 USC 1666f and the Social security act, With respect to credit card ( my social security number ), which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit any such seller from offering a discount to a cardholder to induce the cardholder to pay by cash, check, or similar means rather than use a credit card. They have been charging me {$2.00} every time I use my insured account which is backed by the FDIC ONCE I OPENED THIS ACCOUNT. They have been stealing my money with fraudulent claims of " atm fees '' and " We charge a {$2.00} fee for ATM withdrawals in addition to ATM operator fees. We instantly reimburse fees when you get {$300.00} ( or more ) in paychecks directly deposited into your account each month. Once you've received qualifying direct deposits totaling {$300.00} ( or more ), we'll reimburse up to {$7.00} in ATM fees per withdrawal, and up to 3 withdrawals per 31 days '' which is false and misleading and was not conspicuously disclosed to me before I used my social security number for this consumer transaction/account being opened. They have been stealing money from my account and have been fraudulently doing so and justifying it with " company policy ''. 

Also I have several deposits of {$300.00} in one month or more so the fees should have been automatically reimbursed based off the information provided from cash app rep. So on account of that misinformation they are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Lewis & Clark Capital LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: United Collection Bureau, Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my XXXX  stop taking lessons from the last week of XX/XX/XXXX. Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I XXXX and could get new XXXX  but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.

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 2023-12-13
Company: Affirm Holdings, Inc
State: SC
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:
The company is affirm I paid off of my accounts in XXXX theyve reported late for XXXX and XXXX. Ive emailed the appropriate credit reporting agencies with proof and I have yet to get a response. When Ive called affirm in the past month representatives have hung up on me or said theyve put in a trouble ticket which XXXX I call the following weeks they have yet to provide me with any information and everyone I call I can never speak with someone in the back office thats supposedly handling my case. Meanwhile my credit score is dropping XXXX points every month since XXXX due to this error. I have provided evidence Ive emailed affirms customer care and Ive mailed documents supporting the accounts as paid to XXXX in which they have yet to fix these mistakes.

Company response to consumer: Closed with explanation