BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Company: EQUIFAX, INC.
State: NC
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-04-06
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 Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy. 15 U.S.C. 1681 Section 602 A 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 2022-04-09
Company: Experian Information Solutions Inc.
State: MS
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 sent letters to all 3 credit bureaus and they refused to investigate. I paid XXXX XXXX XXXX XXXX  which is a medical bill. I paid him which is the doctor for the medical bill in XX/XX/XXXX. I have the bill attached below with XXXX with the receipt that states its paid. The bill went to XXXX accounts collection agency and they have refused to remove it since XX/XX/XXXX. XXXX XXXX is doing the exact same thing. According to the Fair Debt Collection Practices Act, 15 USC 1692g, I did not make a agreement with these collection agencies so there can not be a balance. I have sent letters and they have refused to remove them. The dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX closed my account as a charge off, I sent them a letter according to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, they refuse to send me a 1099-c to fill out because i have to file it on my taxes and they are delaying it. XXXX XXXX are in violation and refuse to delete it. According to the IRS Publication a company who writes off a debt is suppose to send you a 1099-C form to fill out because a loss for them is considered income for me. In essence, it is their responsibility to furnish accurate information. Charge offs on my credit report is illegal. 

After i had notified them all of these companies, they refuse to remove it. According to 15 U.S. Code 1681 says if they are still reporting it after being notified that its {$1000.00} per violation. They have cause damage to my consumer report and according to 15 U.S. Code 15 says actual damage or injuries caused by them shall recover triple the amount. They have been reporting inaccurate information for a year and according to 15 U.S. Code 1681s-2, they are prohibited from reporting if they know or suspect its inaccurate. They have to report accurate information according to 15 U.S. Code 1681e ( b ) says they have to report accurately.

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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During late 2019 I was very busy and going through a tough time with the holidays before and around XXXX time at work and at home that I happened to miss a payment on my XXXX XXXX XXXX ( Formerly XXXX XXXX XXXX XXXX XXXX ) MyRewards Platinum visa credit card, my first missed payment in nearly 5 years of membership with this bank. Once XXXX XXXX XXXX was able to make contact with me through a phone call, I apologized and had them transfer the past due amount of {$33.00} to my credit card immediately. Furthermore, because I value my relationship with said bank, I made and additional payment only two days later of {$59.00} which is nearly double the past due amount and nearly triple the regular minimum monthly payments of {$20.00}. My credit score dropped 73 points points as a result of the one missed payment which is a heavy handed and absurd calculation by XXXX  and Transunion.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have reported 27 overdue 60 day and greater, every month since last year. I have my credit report from last year which is completely different. The old report from last year shows XXXX reported monthly and payments were up to date consecutively for the year, XXXX. Since, I have had such issues with them accepted payoff etc, another complaint with XXXX, they have now changed my payment history from XXXX until now. They have " revised '' my payment history making my credit score drop over XXXX points. This is now making it very hard to apply for a new used car loan with the new credit score the have imposed. Also, they will not close my account. They are adding late fees to me to pay, all the while my car was reported to them as a Total Loss. They refused to give me the payoff, then waited since, XX/XX/XXXX ( date of loss ) to accept payment and complete payment information needed by XXXX XXXX. They are making me pay for the delay and their refusal to accept payments. Refuse to give me the reimbursement for XXXX insurance that I paid for at the beginning of my loan!

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-09
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my 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 explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
In XXXX I made a cash advance on my Wells Fargo card. I then made a payment to cover cash advance. I was told I had to pay minimum payment and anything after that would go towards higher interest rate. I made a payment of {$2600.00}. They refunded {$2500.00}. I then made another payment, it was applied to lower interest rate. I filed a complaint with WF and they said that this would be corrected, it has yet to be corrected. I have tried to rectify this Wells Fargo every month with no resolution. 
I told them I wanted to record conversations as they did and they would not allow, said private information was being discussed ... .I have told them on several occasions I understood why they do not allow recording by the consumer because no 2 people ( out of approximately 10-12 ) that I have spoken to have given me the same answer why this was happening.

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 2023-01-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I have been a good member before Covid. I lost my phone and majority of my credit card was maxed as it was difficult for me to get a new job due to Covid and I ended up becoming homeless. 

Date : XX/XX/2023 CHASE BANK XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. CHASE CUSTOMER SERVICE - DISPUTE PROCESSING Re : To Whom It May Concern, Please accept this letter as my request to remove all/any negative items ( late payments ) from my credit report ( XXXX, XXXX, XXXX, XXXX, etc. ). In support, I want to state the following : First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to C O V I D - 19, and as a result, I missed several payments. 
According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. 
To make your process of deletion easier, please find the late payment dates below ( which I would like removed ) : XXXX I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: 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, 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.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: NY
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:
Experian took over 30 days to respond to my dispute letter from XX/XX/2022. They are required by law to respond within 30 days, and they failed to do so. 

I sent a second letter on XX/XX/2022 stating I would like a description of the procedure used to determine the accuracy and completeness of the information including their method of verification. I stated in the letter that I do not consent to E-oscar or any means of automated verification. 

With the response I got, Its certain that it came from an automated system, which again I dont consent to! 

I have proof and I'm keeping a careful record of their actions. I will file small claims action against Experian seeking {XXXX} per violation for : 1 ) Defamation 2 ) Negligent enablement of identity fraud 3 ) Violations of the fair credit reporting act 4 ) Finacial injury Please let me know if you need proof they received a letter as I paid for certified mail and I'm keeping all records of Experian and myself.

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 2021-10-18
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, XXXXuthorized Agent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/2020 ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated 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