BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 2023-05-10
Company: EQUIFAX, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
Hello I called XXXX about a week ago I dont remember the exact date, I let an agent at XXXX know that they are furnishing nonpublic personal information which is personally identifiable financial information on my consumer report which includes account numbers, payment histories, XXXX does not have my consent or written authorization to furnish my nonpublic personal information to any non affiliated third parties, i am a federally protected consumer who has a right to privacy I have been damaged because of my nonpublic personal information be furnished when I try to obtain a financial product or service, XXXX is subject to the FTC rule making authority and I would like for them to delete my nonpublic personal information which includes payment histories and information from a consumer report persuant to 16 CFR 313.3 ( o ) ( 2 ) ( G ) please delete any nonpublic personal information 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 2022-04-21
Company: EQUIFAX, 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:
The following hard inquiries are fraudulent and I demand to have these fraudulent inquiries removed immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MS
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/2022 I 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a closed paid off account with XXXX XXXX XXXX XXXX  from XX/XX/XXXX  that is inaccurately reporting a late payment on XXXX, XXXX and TransUnion. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.

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 2022-04-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Unable to get my money using Paypal and they put my account on hold and no longer able to use my account for 180 days. I have XXXX XXXX and it was transferred to me last XX/XX/2022 by a friend and I really need the money for hospital expenses. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Date : XX/XX/2018 Dates : XXXX Amounts : {$19.00} Actions : I was creating an account of Transunion , and after I put my credit card information for the account so they can check my credit scores, but they automatically charged me without asking or confirm the order. If I know I have to pay for that service, I will not do it at all. Plus, I have a hard time try to cancel my account, and it's just not easy to do it. I called them, and I asked for refund, and I got a conformation number, but that's about it. I might get my money back, but that wasn't a good experience at all. I was trying to delete my personal information as well, and I couldn't do that. I have to call them for other time to delete my personal 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : Amount : {$2000.00} Outstanding balance : {$0.00} Date : XX/XX/2011 Account number : 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 2021-05-27
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Using XXXX, I tried to order Equifax report online, answered all the questions correctly, and was told they were unable to provide online report and said I had to complete a form and mail to them along with several identifying documents. I then called them and they verified me over the phone and said they would mail, but it would take 10-15 days. This happened exactly like this the last time I tried with Equifax back in XXXX 
Same thing with XXXX. Only XXXX would allow online request. 
Equifax and XXXX are making this onerous. Is there anything you can do? 
The XXXX website says : " You can ask for your free annual credit report from XXXX XXXX XXXX XXXX You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process. '' Obviously, Equifax and XXXX are not complying with the above. Is there anything the CFPB can do to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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.

The letters are stated with items and issues.

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.

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 2018-12-13
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: Old information reappears or never goes away

Complaint:
On numerous occasions I have disputed incorrect addresses reporting on my Equifax credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: GOLDMAN SACHS BANK USA
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX Charge {$19.00} Goldman Sach Credit card ( Apple Card ) I initiated Chargeback request on XX/XX/XXXX for poor quality food undercooked and generally the worst I had seen from XXXX. I received a provisional adjustment on XX/XX/XXXX for the amount however Over 2 months and 2 billing cycles later there is still no actually amount that has been credited back to me as a refund that is part of my available balance contacted Goldman Sachs apple card service multiple times the 2nd to last time they reassured me it would be credited back back in days but never was then when i tried to contact them two weeks later got transferred around 5 times until so eventually gave up as I should not have to go through these hoops to get a refund they obviously messed up on this one and continually lied to cover it up as the only other chargeback i did with apple was resolved within the cfbp time period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: JPMORGAN CHASE & CO.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
ACCORDING TO MY BANK CHASE PUT A STOP PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!! I ONLY HAD IT FOR ABOUT A MONTH!!!!! XXXX????? THIS IS COMPLETELY UNACCEPTABLE AND NEEDS TO BE FIXED IMMEDIATELY!!!! I CAN BE REACHED VIA EMAIL!!!! STOP HAVING ROBOTS CALL!!! I CAN'T UNDERSTAND A WORD THEY'RE SAYING!!!! I'VE BLOCKED YOUR PHONE NUMBER!!!! REPLACE MY CHECK WITH A VALID ONE SO I CAN BE DONE WITH CHASE FOREVER!!!!! YOU XXXX EVEN SENT ME A " RECEIPT '' OF THE CHECK!!!!! BUT THERE WAS NOTHING ABOUT A STOP PAYMENT!!!! I SHOULD NOT BE CHARGED {$15.00} BECAUSE OF YOUR BOGUS CHECK!!!!! THIS IS ABSOLUTE XXXX!!!! CUSTOMER SERVICE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NC
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 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 2023-10-26
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:
I have unauthorized inquiries on my credit report that I did not approve.

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 2022-04-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent some debt validation letters and tried several times to dispute the debt to no update. T

hey have sent me a list of my medical records which is a direct violation of HIPPA regulations that I am fully aware of. I have not signed nor given authorization of a HIPPA form to have granted them access to this information. Please delete all this information from my credit file and cease immediately all collection activities from this point.

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 2018-05-03
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Good Afternoon Maam or Sir, I am writing in reference to an auto loan with XXXX XXXX XXXX 

I purchased a vehicle in XXXX and XXXX XXXXXXXX XXXX provided ( and continues to ) finance the auto loan. 

I purchased a XXXX XXXX XXXX XXXX with XXXX miles ( VIN XXXX ). I was told the APR for the auto loan was 12 %, however, after paying a total of {$17000.00} ( As of today ) I realized that the actual APR is 24.15 %. I remember being rushed to sign the contract. 

I provided a {$4000.00} down payment and financed {$17000.00} for 72 months at a 24.15 %. After requesting a copy of the contract, the finance charge is {$16000.00}. As such, the cost of the XXXX XXXX XXXX XXXX with XXXX miles would be {$37000.00}. 

I have paid over {$13000.00} and the current balance is still over {$14000.00}. 

I purchased the vehicle from XXXX XXXX XXXX XXXX, NY XXXX, and I am a resident of CT XXXX.

Company response to consumer: Closed with explanation