BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

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 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
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:
1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reference Number : XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference Number : XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number XXXX I am writing to request that you investigate a public record error on my credit report and remove any incorrect information. I believe that there is an error on my credit report that is affecting my credit score and causing me financial harm.

I request that you conduct a thorough investigation into this matter and remove any incorrect information from my credit report as soon as possible. I am enclosing supporting documentation to help you in your investigation.

Please be advised that if this issue is not resolved to my satisfaction, I will be forced to take legal action, including filing a lawsuit. I hope that this can be resolved amicably and without the need for further action.

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 2021-10-10
Company: Experian Information Solutions Inc.
State: PA
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 sent an Identitiy theft report to Experian via certified mail on XX/XX/2021, which they recieved. The affidavit was filed via the FTC which was in the form of an Identity theft report. They sent me a letter stating that they would not block the information I sent to block because they needed the identity theft report but they stated that they had the identity theft report. Federal law of the FCRA requires them to follow managed precedures and since I sent an affidavit reporting identitity theft they have mismangaed procedures in securing my information and furnishing my information to thrid parties without a permissable purpose. As the Consumer I have suffered from their mismanged procedures.

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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
- My credit card information was used fraudulently on XX/XX/2023 at XXXX XXXX  EST. 
- My credit card is with Bank of America ( Travel Rewards card ). 
- The card was used at XXXXXXXX XXXX store at XXXX XXXX in XXXX, XXXX. 
- The card was charged 3 times - {$540.00} ( approved ), {$190.00} ( approved ), and {$260.00} ( declined ), for a total of {$730.00} that I was charged with. 
- I IMMEDIATELY opened a claim and discontinued my credit card once I got text messages about the charges. 
- These charges were NOT MADE BY ME- I was physically at my place of work, XXXX XXXX XXXX in XXXX XXXX. 
- I have the phone number of multiple coworkers who can attest I was at work. I also informed multiple coworkers about the situation, they can attest I discussed my credit card information being stolen. The phone numbers of these witnesses/coworkers are : XXXX, XXXX, XXXX. 
- My claim was DENIED on XX/XX/2023. 
- I tried calling Bank of America to dispute and they were not helpful and told me to open a police 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 2022-07-05
Company: January Technologies, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I received via XXXX XXXX a XXXX  from XXXX. I refused the XXXX  at that moment and had XXXX take it back. XXXX had provided me with a cancellation number. On that same day, I had contacted XXXX via email informing them that I am refusing the XXXX XXXX received the XXXX  on XX/XX/2021. Both, XXXX and XXXX continued with the loan without my knowledge. Then, I noticed that XXXX was still charging me for the returned XXXX I tried to reach out to XXXX from their website with no such help. When I typed messages to stop payments, I will get back a message to contact the merchant. I had called XXXX numerous times and I've never received any help nor assistance, but they continued to take my money from my bank account. Therefore, a stopped payments was done through my account. Finally, I was able to communicate with XXXX and it was useless, as XXXX did not assist/helped nor returned my calls to inform me that I had 30 days within to contact them to stop the payments, but on XXXX XXXX website it clearly states that the individual needs to contact the merchants themselves, which I have. XXXX deliberately kept the XXXX without informing XXXX and XXXX also kept the loan and the returned 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX & XXXX XXXX XXXX - XXXX. 
XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - 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 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )

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 2022-07-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my report & noticed someone had applied for something in my name. according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed. 
Company -- -- -- -- -- -- -- Date -- -- -- -- -- -- Authorized/Unauthorized -- -- -- -- -- XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX ( Bank ) XXXX XXXX  unauthorized 3. XXXX XXXX XXXX XXXXXXXX ( XXXX ) unauthorized XXXX. XXXX XXXX ( Bank ) XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX unauthorized XXXX Bank ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX unauthorized XXXX. XXXX XXXX ( XXXX ) XXXX unauthorized XXXX XXXX ( XXXX ) XXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXXXXXX XXXX  XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized

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 2023-03-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian and XXXX is reporting Unauthorized inquires on my credit report I did not apply for anything and requesting to have this removed Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] This not a Credit Repairs Service either, I'm doing this on my own to save time and money. I'm tired of the stall tactics I have submitted my ID and Current address since Experian and XXXX sends me letters asking for my information again when they already have my information on file. this my las time disputing my credit report if I continue to receive stall tactics letters. As a consumer I will exercise my right to sue for damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted my ID and Utility bill just in case they ask for it again acting like they don't have it.

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 2022-04-20
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$360000.00} 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 2023-12-15
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2017-06-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We have been holders of the Amazon credit card ( Chase ) for many years. Over the past 10 years or so, we have paid every monthly balance in full AND on time, and have accrued no interest. On the XXXX statement, the balance due was {$1800.00}, and I inadvertently paid only {$1600.00}, leaving a balance of {$170.00}. On the XXXX statement, we were charged {$21.00} interest for the shortage. By my reckoning, that amounted to about 145 % annual interest for the shortage. We then paid everything that was due, plus the interest, plus a few dollars just to be certain and ON TIME! On the XXXX statement, Chase charged us {$38.00} for a fully paid balance! Their answer to me was that since we were short the previous month, they had a right to charge interest whether it was due or not. I requested the interest be waived, and they said it simply ca n't be done. Is n't this usury?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is one of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions 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:
Hello, I Am a Victim of identity Theft How can I be in XXXX And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was XXXX  AT THE TIME ... ....

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 2023-12-15
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
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 was homeless during a period of time that my loans came into repayment. I was unable to receive mail during the time nor had the means to contact XXXX XXXX regarding my options to keep payments from being late. I was able later to reach out and I was sent in the information regarding me being granted retroactive deferment, however they refused to remove the late payments from my credit report. During this period of time there was no possible way for me to be able to make a payment or even get the information needed to make arrangements or find out my repayment options because I didnt have a address for them to send correspondence to. Now I am in a better place but my score is suffering severely from the way the information is being reported. I also filed a dispute with the XXXX in which the insisted it was unlawful for them to change the reporting status for this period of time. Now its hard for me even in a better place in life with a good job to even get accept for an apartment alone based on the negative impact the report has had on my credit score. They were willing to add remarks stating that they are in good standing, but it has harldly no impact on the damaging effects of the unfair reporting to the credit reporting agencies. Now that I have started my own family and have attempted to move forward in life, this holds me back in every aspect which makes it hard for me to progress from where I was completely. I cant even secure housing in a area that would offer my children better schooling options, because I am constantly denied do to XXXX impact on my credit score due to their reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Account # XXXX Date opened : XXXX Identity theft : Remove Account and items reporting Amount Reporting {$3700.00} Multiple Attempts to delete Account 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 non-monetary relief