BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Certified letter was sent and electronically confirmed received by XXXX on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and Transunion proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at Transunion, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a consumer.

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 2020-02-12
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
credit bureau systems have attempted repeatedly to collect a debt that is not owed as a result of my x wife using my personal information to obtain anything possible she able to. the original creditor was XXXX XXXX   and have been no help in trying to resolve the issue. credit bureau systems have called me multiple times from different numbers and even blocked numbers. XXXX XXXX has refused requests for evidence relating too this account and claims it was a phone order and my name was given.

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 2023-03-13
Company: Experian Information Solutions 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:
The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectExperian violated my right under the FCRA Experian never sent me the full investigation that they took to validate that accounts I demand that Experian Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights.

15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-06-03
Company: Experian Information Solutions 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:
I sent letters of on XX/XX/2002. My tracking numbers from XXXX are Experian # XXXX, XXXX # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

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 2020-03-11
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX  IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX  CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a checking account with SunTrust which is now Truist. On XX/XX/21 a check was forged and cashed for {$9800.00} which was originally issued to XXXX life insurance for {$260.00} written on XX/XX/21. The name on the check was changed to XXXX XXXX Checking acct no XXXX, which was immediately suspended and now with the merger the account information is no longer visible to me. 
A dispute affidavit was submitted on XX/XX/21 and a fraud case was created with Suntrust no. XXXX A police report was filed with XXXXXXXX XXXX Sheriff, report no XXXX with deputy XXXX, XXXX. 
Calling the fraud department, I have corresponded with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX with no resolution. They always say the case is pending and can take up to 120 days. Allegedly XXXX XXXX is investigating however, he will not respond to my emails or return phone calls. It has been 211 days and we have not seen any return of our funds. I tried to get some resolution on XX/XX/XXXX and spoke to and emailed XXXX XXXX with the demand of action with no avail. I notified them that I was imposing a fee of XXXX per day starting XXXX. They promised a phone call but nobody has responded. They have refused to work with the local sheriff department. 
Please call or email me if you need more information. 
Needless to say Im very frustrated with this process

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 2021-04-20
Company: AES/PHEAA
State: MI
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:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any notification concerning this debt and never even had the opportunity to dispute the validity of this debt. This company is in direct violation of the Fair Credit Reporting Act, I should of been given written notification of this debt and 30 days to respond but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: OH
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 have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: AL
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:
Hi this is XXXX XXXX I looked on my experian report on XX/XX/2022 and noticed a few inquiries that I have not made as I have not applied for any thing in over XXXX years. Experian has extremely long hold times so its impossible to reach out to them for help. Ive tried numerous of times to get this resolved with experian

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 2022-12-28
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I am a XXXX XXXX XXXX that has my XXXX XXXX XXXX My primary bank was XXXX but I decided to close my XXXX and move on to Chime since I heard great stuff about them. I received a direct deposit on Chime for {$500.00}. Prior to receiving this deposit I already had $ XXXX dollars in my account from transferring my balance from cashapp. I got hit with a false chargeback causing a payment reversal on my chime. A day later I get a email from Chime saying my account is closed effective immediately and that I wont be receiving MY money that I earned. I got on phone with customer support. I messaged them on XXXX, XXXX XXXX XXXX and got no response. XXXX not sure how to move forward at this point. That money is ALL that I have. I live alone and thats what I use to pay rent, feed myself and pay my school fees. I have no one to depend on. I am basically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: NY
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 was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on XXXX. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & 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 2023-11-08
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: Bread Financial Holdings, Inc.
State: UT
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:
CCB/XXXX  is reporting erroneous late 's on my credit file. I applied for a credit card and was approved for a line of credit. I used my ID to make purchases until I got my card in the mail. I never received this card or instruction on how to make my payments. I never received any information about my account and inquired about getting a new card multiple times but it never came. I would get notifications on my phone but ONLY when I was past due. I would called immediately after and make these payments. Its not until I went into the store and complained that they ordered me a new card and I actually received it. Ever since then I have been making my payments on time. I recently checked my credit file and noticed these lates, this is ridiculous! How was I supposed to make payments with NO account information? I am not responsible for these lates as i was never even notified about my due date, just when i was past due. Please remove these lates, they are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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:
I am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Collector is has violated my HIPPA right, has been increasing interest 2 per month sin I have started this validation of debt and re-aging the account with new alleged amount own. provided billing record for medical treatment I have received with with my HIPPA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was gifted a Visa Gift Card for {$100.00}, purchased from XXXX, which makes it a Kroger Gift Card and I believe it was issued by US Bank Gift Card. In contacting the number on the back of the card, the representatives are unwilling to give me the exact information. The phone number on the back of the card is XXXX. 

When I originally opened the gift card to register it online, I discovered I was unable to register the card. So I then called the gift card company to report this problem. They told me the gift card was already registered, which was a shock to me since I had just opened the card. This happened on XXXX. I was told to fax ( fax # is XXXX XXXX XXXX ) a copy of the card, as well as my driver 's license. I did this and and when following up was told I needed to resend my driver 's license. I re-faxed everything on XXXX. I then called to check the status of the case, and was now told that I needed to provide a copy of the receipt. As this was a gift I didn't have the receipt, but was told that I needed to ask the people who gifted it to me to get me the receipt. In so many words, I was told by a supervisor of the gift card company that this process is designed to make it difficult on the victim so as to weed out people who might be lying. After all this the original purchaser then went to the grocery store where it was purchased and asked the manager to pull up the receipt. It was eventually emailed on XXXX. I am in the process of faxing everything again, plus the receipt. I called the gift card company to see if there was a way to avoid having to fax everything as this was costing me money and time every time I needed to send correspondence. They said no. So far, along with the {$100.00} gift card, plus {$5.00} processing fee, I've spent {$11.00} in photocopies and faxes.

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 2021-08-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI
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:
On XX/XX/XXXX, Infiniti Financial, AKA Nissan Motor Acceptance Corporation ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) : Account number XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation