BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 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 602 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
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 sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 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 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 2023-04-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX, XXXX and TransUnion have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted via phone and email along with written correspondence sent via certified mail. Including identity theft paperwork sent by them .. I also dont included police records # and Identity theft report #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX  had my XXXX loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.

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 2023-09-09
Company: Amsher Collection Services, Inc.
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a collection debt on my credit report was reported by Amshercollectionservices was amount for {$200.00}. XXXX number XXXX. i call number. talk with some one from customer service. she ask my info said she couldn't look to see who the accounts from until i give her bank or credit card to withdraw XXXX dollar to check my credit report. so i ask her several times why do you need my bank card # she said couldn't help until i authorize her XXXX dollar from a credit card. so was still unsure she said well can't help you until i get the card to use call her back when i do. so i felt presser so i gave her my account # then she said now bank with decline so i have to contact bank let them no i Accept before i can continue. so like i fool. i did it. so little did i know soon as i had contact them collection company I received a email saying i sign up for identity membership. 7 XXXX trail for XXXX dollar then XXXX monthly. that call back cost me {$190.00} and XXXX a month for a credit counseling. on my bank account its say it from XXXX XXXX  from XXXX Nv. it was just a trick to catch me off care and sign up from something i couldn't afford. i called them to find out if this is my debt and to find out how to get off my credit report. it not collection company it was a credit counseling. i feel so stupid that they trick me! not even sure if its true debt? she keep saying they take take care of the debt and she already seen description and it showed XXXX XXXX. but in order to take care of it they have offer for {$290.00}. and said contact boss he said he lower it to XXXX. it was just a scam i am on XXXX  i contact them to get info about the amount being on my report. and land up being charged for a credit counseling called XXXX from XXXX NV. now i am trying to get my bank to stop payment. but i problem going to loos that {$190.00} + {$1.00} its just so dirty of this collection agency. i am XXXX XXXX  and XXXX for trusting the credit report information. thank you for your time XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received an installment loan from check n go XXXX, Oklahoma in the amount of {$900.00} in the spring of 2021, I made payments to said loan for 3 months before dealing with a major health and relationship change. This change caused me to have to change bank accounts and living situations. I was able to relay that change to multiple other financial organizations where payments were owed however I was not able to contact check and go, I take full responsibility for this. My complaint is the fact when I call said company who now is contacting me to resolve the debt ( XXXX ) I believe they said their name was, is accusing me of lying about receiving certified mail. I stated I am not here to argue, can you please send me or email me some documentation, I will not be making a payment over the phone, at which point the agent got angry with me and then proceeded to hang up on me andi could " wait on my court documents. '' Would love to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for an Amazon advertised " Cash Back '' Chase Credit Card with an incentive of a gift {$100.00} dollar Amazon debit card. I put that Chase Credit Card in a wallet and placed it in my bureau. ( I was using my XXXXXXXX XXXX  " cash back '' credit card at the time. ) That was back in XXXX, 2023. 

Today, XX/XX/2023, I opened what turned out to be a Chase Credit Card Statement indicating a balance of {$320.00} for this subject credit card : XXXX XXXX XXXX XXXX ( A credit card I never volitionally used ... Attached below will be the Chase Statements I can upload. ) This credit card is supposedly cancelled. 

What occurred is that this credit card dropped to my Amazon.com account and was automatically assigned as my " Default Payment ''. My next XXXX sequential Amazon Transactions ( Uploaded Below ) were as follows : XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$9.00} XX/XX/XXXX : {$29.00} and XX/XX/XXXX : {$25.00} ( This item was an Amazon gift card " reload ''. It is not something I would charge to a credit card. ) The aggregate authorized purchases were for {$74.00}, however I never authorized any of those purchases to be applied to the Chase Credit Card. What occurred is that in the " Joint Venture '' between Chase Credit and Amazon ( chase.com/amazon ) is that Amazon modified my Payment Defaults and placed this Chase Card as my Payment Method. ( It is my personal account information with billing and shipping addresses, telephone numbers and payment preferences. Yet Amazon entered my private account and took control of my account payment options without knowledge to me. I had no idea those four minor purchases had gone unpaid and were accruing Penalties and Interest with Chase Credit. ) I called Chase Credit and offered to pay the principal but Chase insisted I play the full amount of penalty charges. I called Amazon asked them to intervene and they told me they were powerless to influence the Credit Card issue with Chase. ( Attached below is Amazon 's email to me. ) It is incredulous that these two entities can form an alliance like this, modify my purchase selections and then purport to be powerless to do anything except collect the Penalties and Interest that I had no knowledge I was incurring. It is fraudulent on both of their parts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, I am opening a new complaint in response to closed complaint # XXXX since XXXX XXXX has sent me ( 2 ) letters validating my account information which confirms that the account # 's listed on my credit report are incorrect and should be removed. 

I've attached a letter to fully explain my new complaint and what would be a fair resolution.

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 2023-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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: Credit inquiries on your report that you don't recognize

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, 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. 
ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX  ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: First Federal Credit Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Fed Credit Control is reporting XXXX Accounts in collections from Original Creditor XXXX  XXXX XXXX. 
I have requested information on what the debts are for from First Fed Credit Control and they only provide " Date of Service ''. What was the Service? First Fed Credit Control provides phone number for XXXX  XXXX of XXXX XXXX where service was to take place. 
XXXX XXXX of XXXX XXXX XXXX they are no longer owned by XXXX XXXX XXXX and provides another phone number that is only answered by voicemail with no return calls. 
Nothing but run around- they expect to be paid for a bill that they are not providing enough information on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original complaint filed for verification of debt on XX/XX/2020. The company failed responded without requested requested verification.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: CA
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 asked the credit bureaus to conduct an investigation on the XXXX XXXX XXXX XXXX Credit Card account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, XXXX states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. XXXX, on the other hand, illustrates more than 120 days late on XX/XX/XXXX with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. Finally, Experian states that this account is 150 days late on XX/XX/XXXX and has NO XXXX for XX/XX/XXXX to XX/XX/XXXX with a single Charge-Off for XX/XX/XXXX ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Credit account number XXXX has violated my rights. 

15 USC 1681 section 602 ( A ) states that I have the right to privacy.

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX  credit card is violating my consumer rights by reporting TRANSACTIONS/EXPERIENCES on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS/EXPERIENCES from all of my consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX credit card company and reporting agencies, According to:15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report I have attached my photo Id for proof of ID ( address is getting changed on DL ) and I have attached copy of my lease for proof of address so you credit reporting agencies can stop using that as an excuse to stall, even though these items have been submitted via certified mail from previous disputes on multiple occasions!

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 2022-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I called Portfolio Recovery on XX/XX/2022, at XXXX est and spoke with XXXX XXXX We both were on a recorded line and I let her know I would be recording for my records. She told me that I would be able to get a pay for deletion for a validated debt with them. I researched and saw that portfolio recovery does in fact participate with pay for deletions, however, once I paid and held up my end of the bargain portfolio recovery only updated my file. I am filing this complaint and requesting this account be removed from my file as XXXX told me it would.

Company response to consumer: Closed with explanation